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Marquette Farmers State Bank of Marquette Kansas

Marquette, KS · Cert 18094

State charter, non-member · FDIC · 1 branch

Q2 2026

$33.6MAssets
$11.4MLoans
$28.2MDeposits
$5.2MEquity
Loan mix
83%RE $5.8M10%C&I $0.7M7%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $22.6M20%Noninterest $5.6MQ2 2025Q2 2026

NIM

4.08%Q2 ’244.35%Q2 ’254.43%Q2 ’26+12%+9%

Non-interest income vs. expense

2.69%Q2 ’242.40%Q2 ’252.18%Q2 ’26+0%-8%

Executive Summary

  • Earnings: ROA of 0.95%, up 35 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 5.22% of loans (+119 bps YoY), with net recoveries of 0.28%.
  • Capital: tier 1 leverage ratio of 17.54%, down 55 bps from a year ago.
  • Funding: loans stand at 40.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+26 bps YoY

Efficiency Ratio (YTD, annualized)

67.78%-1,222 bps YoY

Tier 1 Leverage Ratio

17.54%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.56%0.48%0.81%0.95%+35 bps
Return on Equity3.99%3.64%3.08%5.04%5.98%+199 bps
Net Interest Margin2.77%2.73%2.66%3.18%3.03%+26 bps
Efficiency Ratio80.00%81.42%83.86%63.67%67.78%-1,222 bps
Non-Interest Burden2.17%2.18%2.19%1.95%1.99%-17 bps
Growth
Asset Growth (YoY)-1.22%-1.83%0.96%1.10%7.78%+900 bps
Loan Growth (YoY)-9.51%-8.99%-1.68%0.21%-1.26%+825 bps
Deposit Growth (YoY)-3.07%-2.99%-0.86%0.00%8.08%+1,115 bps
Asset Quality
Nonperforming Loans / Loans4.03%4.20%5.61%2.52%5.22%+119 bps
Net Charge-Offs / Loans0.09%0.06%0.04%-0.57%-0.28%-37 bps
Allowance / Loans3.80%3.83%3.83%4.08%3.99%+19 bps
Allowance Coverage of NPLs0.9x0.9x0.7x1.6x0.8x-0.2x
Capital
Tier 1 Leverage Ratio18.09%18.28%18.11%17.59%17.54%-55 bps
Total Risk-Based Capital18.09%18.28%18.11%17.59%17.54%-55 bps
Equity / Assets15.76%16.34%16.34%15.64%15.58%-18 bps
Liquidity & Funding
Loans / Deposits44.46%44.66%43.79%40.61%40.61%-384 bps
Liquid Assets / Assets7.83%7.90%8.58%11.29%16.73%+890 bps
CRE / Total Capitaln/a9.22%9.34%10.55%n/an/a