| Metric | Marathon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +4.4% | +5.1 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.9 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 5.2% | 11.9% | -6.6 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.1M | $197.8M | $217.4M | $38.6M | $990K | 0.78% | 3.55% | 0.42% |
| Q1 2026 | $248.6M | $181.4M | $211.3M | $37.7M | $547K | 0.88% | 3.54% | 0.49% |
| Q4 2025 | $247.6M | $185.7M | $211.6M | $37.1M | $1.2M | 0.50% | 3.28% | 0.49% |
| Q3 2025 | $245.5M | $190.1M | $205.9M | $36.4M | $586K | 0.33% | 3.17% | 0.49% |
| Q2 2025 | $238.4M | $183.4M | $200.4M | $35.8M | $96K | 0.08% | 3.02% | 0.46% |
| Q1 2025 | $236.6M | $187.9M | $188.4M | $29.4M | $160K | 0.28% | 2.82% | 0.59% |
| Q4 2024 | $217.7M | $175.0M | $176.6M | $29.1M | $-288K | -0.13% | 2.77% | 0.64% |
| Q3 2024 | $216.2M | $174.5M | $175.7M | $29.0M | $-364K | -0.22% | 2.76% | 0.65% |
Loan mix (Q2 2026): real estate $216.1M · commercial $2.8M · consumer $291K · securities $4.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Marathon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 62.9% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Marathon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Marathon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Marathon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Marathon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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