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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 $0.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $22.6M20%Noninterest $5.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.08%, up 33 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 5.22% of loans (+119 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.08%+33 bps YoY

Net Interest Margin (quarter, annualized)

2.93%+7 bps YoY

Efficiency Ratio (quarter, annualized)

72.20%-239 bps YoY

Tier 1 Leverage Ratio

17.54%-55 bps YoY

NIM

4.23%Q2 ’244.35%Q2 ’254.36%Q2 ’26+14%+2%

Non-interest income vs. expense

2.96%Q2 ’242.33%Q2 ’252.24%Q2 ’26-8%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.38%0.44%0.75%0.48%0.24%0.81%1.08%+33 bps
Return on Equity3.63%2.55%2.99%4.96%2.96%1.48%5.04%6.94%+198 bps
Net Interest Margin2.49%2.55%2.59%2.86%2.62%2.56%3.18%2.93%+7 bps
Efficiency Ratio79.00%92.63%85.84%74.59%84.47%91.44%63.67%72.20%-239 bps
Non-Interest Burden1.91%2.34%2.19%2.07%2.18%2.32%1.95%2.07%0 bps
Growth
Asset Growth (YoY)0.03%-0.19%-0.06%-1.22%-1.83%0.96%1.10%7.78%+900 bps
Loan Growth (YoY)6.24%1.02%-6.43%-9.51%-8.99%-1.68%0.21%-1.26%+825 bps
Deposit Growth (YoY)-0.33%1.91%1.56%-3.07%-2.99%-0.86%0.00%8.08%+1,115 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.04%0.04%4.03%4.20%5.61%2.52%5.22%+119 bps
Net Charge-Offs / Loans1.20%0.75%0.00%0.17%0.00%0.00%-0.57%0.00%-17 bps
Allowance / Loans3.70%3.81%3.99%3.80%3.83%3.83%4.08%3.99%+19 bps
Allowance Coverage of NPLs3.6x89.2x89.2x0.9x0.9x0.7x1.6x0.8x-0.2x
Capital
Tier 1 Leverage Ratio17.70%17.83%17.35%18.09%18.28%18.11%17.59%17.54%-55 bps
Total Risk-Based Capital17.70%17.83%17.35%18.09%18.28%18.11%17.59%17.54%-55 bps
Equity / Assets15.22%14.68%14.64%15.76%16.34%16.34%15.64%15.58%-18 bps
Liquidity & Funding
Loans / Deposits47.61%44.15%40.52%44.46%44.66%43.79%40.61%40.61%-384 bps
Liquid Assets / Assets10.00%9.32%9.75%7.83%7.90%8.58%11.29%16.73%+890 bps
CRE / Total Capitaln/an/an/an/a9.22%9.34%10.55%n/an/a