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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 $2.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $915.9M17%Noninterest $189.1MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.19%0.22%0.52%0.53%+35 bps
Return on Equity1.54%1.63%1.89%4.34%4.46%+292 bps
Net Interest Margin2.25%2.32%2.36%2.54%2.58%+33 bps
Efficiency Ratio89.99%87.20%87.47%79.28%78.17%-1,182 bps
Non-Interest Burden1.99%1.97%2.02%1.92%1.93%-6 bps
Growth
Asset Growth (YoY)10.39%3.11%7.22%5.13%6.40%-399 bps
Loan Growth (YoY)14.39%11.60%10.93%7.12%6.65%-774 bps
Deposit Growth (YoY)8.40%7.83%10.53%7.92%9.66%+126 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.61%0.78%0.72%0.66%-7 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.12%0.06%+5 bps
Allowance / Loans0.60%0.62%0.62%0.60%0.61%+1 bps
Allowance Coverage of NPLs0.8x1.0x0.8x0.8x0.9x+0.1x
Capital
Tier 1 Leverage Ratio14.00%14.02%13.97%13.74%13.58%-42 bps
Total Risk-Based Capital14.00%14.02%13.97%13.74%13.58%-42 bps
Equity / Assets11.64%12.07%12.20%11.72%11.73%+9 bps
Liquidity & Funding
Loans / Deposits93.00%94.31%94.27%90.78%90.45%-255 bps
Liquid Assets / Assets2.89%1.59%1.27%2.24%0.98%-191 bps
CRE / Total Capitaln/a102.86%106.39%110.72%n/an/a