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Marquette Savings Bank

Erie, PA · Cert 30544 · Marquette Mutual Holding Co.

SI · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Marquette Savings Bank

Erie, PA · Cert 30544 · Marquette Mutual Holding Co.

SI · FDIC · 11 branches

Q2 2026

$1.4BAssets
$999.4MLoans
$1.1BDeposits
$169.1MEquity
Loan mix
91%RE $885.3M9%C&I $88.7M0%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $915.9M17%Noninterest $189.1MQ3 2024Q2 2026

Market Position · Erie, PA · 2026 SOD (annual) · 11.3% share · #5 of 11 inst. · $0.9B of $7.6B

11.3% Erie
14.9% Crawford

Executive Summary

  • Earnings: ROA of 0.53%, up 35 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.66% of loans (-7 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 13.58%, down 42 bps from a year ago.
  • Funding: loans stand at 90.45% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.53%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+33 bps YoY

Efficiency Ratio (YTD, annualized)

78.17%-1,182 bps YoY

Tier 1 Leverage Ratio

13.58%-42 bps YoY

NIM

4.20%Q2 ’244.41%Q2 ’254.63%Q2 ’26+10%+15%

Non-interest income vs. expense

2.33%Q2 ’242.31%Q2 ’252.32%Q2 ’26-1%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.09%0.11%0.18%0.19%0.22%0.52%0.53%+35 bps
Return on Equity0.47%0.74%0.89%1.54%1.63%1.89%4.34%4.46%+292 bps
Net Interest Margin2.03%1.99%2.20%2.25%2.32%2.36%2.54%2.58%+33 bps
Efficiency Ratio97.46%96.98%92.64%89.99%87.20%87.47%79.28%78.17%-1,182 bps
Non-Interest Burden1.97%1.91%2.01%1.99%1.97%2.02%1.92%1.93%-6 bps
Growth
Asset Growth (YoY)9.58%1.76%5.57%10.39%3.11%7.22%5.13%6.40%-399 bps
Loan Growth (YoY)14.98%12.72%15.89%14.39%11.60%10.93%7.12%6.65%-774 bps
Deposit Growth (YoY)0.88%0.67%7.26%8.40%7.83%10.53%7.92%9.66%+126 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.61%0.58%0.73%0.61%0.78%0.72%0.66%-7 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.01%0.01%0.12%0.06%+5 bps
Allowance / Loans0.64%0.60%0.59%0.60%0.62%0.62%0.60%0.61%+1 bps
Allowance Coverage of NPLs1.1x1.0x1.0x0.8x1.0x0.8x0.8x0.9x+0.1x
Capital
Tier 1 Leverage Ratio14.94%14.47%14.39%14.00%14.02%13.97%13.74%13.58%-42 bps
Total Risk-Based Capital14.94%14.47%14.39%14.00%14.02%13.97%13.74%13.58%-42 bps
Equity / Assets12.23%12.06%11.61%11.64%12.07%12.20%11.72%11.73%+9 bps
Liquidity & Funding
Loans / Deposits91.12%93.94%91.46%93.00%94.31%94.27%90.78%90.45%-255 bps
Liquid Assets / Assets5.30%1.71%3.58%2.89%1.59%1.27%2.24%0.98%-191 bps
CRE / Total Capitaln/an/an/an/a102.86%106.39%110.72%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Marquette Savings Bank

Erie, PA · Cert 30544 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Marquette Mutual Holding Co.

SI · FDIC · 11 branches

Q2 2026

$1.4BAssets
$999.4MLoans
$1.1BDeposits
$169.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 75% of banks $1B-$10B in assets operating in a single state (rank 64 of 258).
  • Widest gap: return on equity trails 94% of banks $1B-$10B in assets operating in a single state (rank 243 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.52%

Rank 241 of 258

Net Interest Margin

2.58%

Rank 239 of 258

Efficiency Ratio

78.17%

Rank 230 of 257

Equity / Assets

11.73%

Rank 64 of 258

Non-interest income vs. expense

$5.6M$32.9MINCOMEEXPENSE
Unfavorable gap of $27.3M · efficiency ratio beats 11% of banks $1B-$10B in assets operating in a single state
Bank 78.17%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.52%0.93%1.23%1.54%Beats 7%241 / 258
Return on Equity4.40%9.26%11.84%14.74%Beats 6%243 / 258
Net Interest Margin2.58%3.16%3.49%3.88%Beats 7%239 / 258
Efficiency Ratio78.17%51.71%60.30%69.65%Beats 11%230 / 257
Asset Quality
Nonperforming Loans / Loans0.66%0.19%0.46%0.90%Beats 31%180 / 258
Net Charge-Offs / Loans0.03%0.01%0.02%0.07%Beats 44%146 / 258
Capital
Tier 1 Capital Ratio13.58%11.41%12.98%15.12%Beats 59%106 / 258
Total Risk-Based Capital Ratio13.58%12.10%13.91%16.08%Beats 45%143 / 258
Equity / Assets11.73%9.09%10.24%11.72%Beats 75%64 / 258
Liquidity & Funding
Loans / Deposits90.45%73.24%86.34%95.95%61st pctl100 / 258
Loans / Assets69.30%63.01%72.27%78.40%40th pctl156 / 258
Brokered Deposits / Depositsn/aNot reported for this institution