Marathon Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 8.09 percentage points in Q2 2026, from 337.33% to 345.42%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Marathon Bank ranks 14th highest among the 153 banks headquartered in Wisconsin, at 110.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Marathon Bank sits 29.97 points higher, at 110.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $219.2M |
| Net loans and leases | $217.4M |
| Loans held for sale | $0 |
| Loans to total assets | 83.95% |
| Loan-to-deposit ratio | 110.81% |
| Net loans to equity capital | 5.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.98% |
| Multifamily (5+ residential) | 24.59% |
| Commercial and industrial | 1.26% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 345.42% |
| Construction concentration (Tier 1 capital + allowance) | 4.34% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.45% |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $199.4M | $193.0M | 41.72% | 3.16% | 0.33% |
| Q4 2023 | $196.1M | $182.8M | 41.37% | 3.03% | 0.37% |
| Q1 2024 | $193.4M | $173.3M | 41.45% | 2.66% | 0.27% |
| Q2 2024 | $184.9M | $176.9M | 39.19% | 2.63% | 0.24% |
| Q3 2024 | $177.5M | $174.5M | 38.53% | 2.45% | 0.16% |
| Q4 2024 | $178.4M | $175.0M | 38.49% | 2.48% | 0.26% |
| Q1 2025 | $190.1M | $187.9M | 42.67% | 2.13% | 0.19% |
| Q2 2025 | $202.2M | $183.4M | 44.55% | 1.77% | 0.17% |
| Q3 2025 | $207.6M | $190.1M | 43.17% | 1.79% | 0.15% |
| Q4 2025 | $213.4M | $185.7M | 41.73% | 1.58% | 0.16% |
| Q1 2026 | $213.1M | $181.4M | 42.62% | 1.45% | 0.16% |
| Q2 2026 | $219.2M | $197.8M | 42.98% | 1.26% | 0.13% |
Marathon Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Marathon Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Marathon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29745) · FFIEC NIC profile (RSSD 596978)