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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

4.16%Q2 ’244.57%Q2 ’254.76%Q2 ’26+18%+13%

Non-interest income vs. expense

2.42%Q2 ’242.37%Q2 ’252.37%Q2 ’26-4%-2%

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 0.54%, up 29 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.66% of loans (-7 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.54%+29 bps YoY

Net Interest Margin (quarter, annualized)

2.68%+32 bps YoY

Efficiency Ratio (quarter, annualized)

77.14%-1,047 bps YoY

Tier 1 Leverage Ratio

13.58%-42 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.22%0.32%0.52%0.54%+29 bps
Return on Equity2.17%1.83%2.62%4.34%4.59%+242 bps
Net Interest Margin2.36%2.47%2.54%2.54%2.68%+32 bps
Efficiency Ratio87.60%82.22%88.19%79.28%77.14%-1,047 bps
Non-Interest Burden2.02%1.96%2.19%1.92%1.97%-5 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 / Loans0.02%0.00%0.00%0.12%0.00%-2 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