Erie, PA · Cert 30544 · Marquette Mutual Holding Co.
SI · FDIC · 11 branches
Q2 2026
Market Position · Erie, PA · 2026 SOD (annual) · 11.3% share · #5 of 11 inst. · $0.9B of $7.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.09% | 0.11% | 0.18% | 0.19% | 0.22% | 0.52% | 0.53% | +35 bps | |
| Return on Equity | 0.47% | 0.74% | 0.89% | 1.54% | 1.63% | 1.89% | 4.34% | 4.46% | +292 bps | |
| Net Interest Margin | 2.03% | 1.99% | 2.20% | 2.25% | 2.32% | 2.36% | 2.54% | 2.58% | +33 bps | |
| Efficiency Ratio | 97.46% | 96.98% | 92.64% | 89.99% | 87.20% | 87.47% | 79.28% | 78.17% | -1,182 bps | |
| Non-Interest Burden | 1.97% | 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 / Loans | 0.60% | 0.61% | 0.58% | 0.73% | 0.61% | 0.78% | 0.72% | 0.66% | -7 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.12% | 0.06% | +5 bps | |
| Allowance / Loans | 0.64% | 0.60% | 0.59% | 0.60% | 0.62% | 0.62% | 0.60% | 0.61% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.0x | 0.8x | 1.0x | 0.8x | 0.8x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.94% | 14.47% | 14.39% | 14.00% | 14.02% | 13.97% | 13.74% | 13.58% | -42 bps | |
| Total Risk-Based Capital | 14.94% | 14.47% | 14.39% | 14.00% | 14.02% | 13.97% | 13.74% | 13.58% | -42 bps | |
| Equity / Assets | 12.23% | 12.06% | 11.61% | 11.64% | 12.07% | 12.20% | 11.72% | 11.73% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.12% | 93.94% | 91.46% | 93.00% | 94.31% | 94.27% | 90.78% | 90.45% | -255 bps | |
| Liquid Assets / Assets | 5.30% | 1.71% | 3.58% | 2.89% | 1.59% | 1.27% | 2.24% | 0.98% | -191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 102.86% | 106.39% | 110.72% | n/a | n/a | |