Marquette Savings 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.16 percentage points higher than in Q1 2026, at 81.18%. Within Pennsylvania, Marquette Savings Bank is 42nd of 109 on loan-to-deposit ratio, 90.45% as of Q2 2026, above the middle of the field. At 90.45%, Marquette Savings Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $999.4M |
| Net loans and leases | $993.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.30% |
| Loan-to-deposit ratio | 90.45% |
| Net loans to equity capital | 5.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.44% |
| Multifamily (5+ residential) | 2.66% |
| Commercial and industrial | 9.50% |
| Consumer | 0.30% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.18% |
| Construction concentration (Tier 1 capital + allowance) | 18.83% |
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 | 6.01% |
| Interest income on loans | $14.1M |
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 | $743.3M | $929.7M | 13.94% | 10.07% | 0.21% |
| Q4 2023 | $779.5M | $929.0M | 15.00% | 8.79% | 0.21% |
| Q1 2024 | $786.9M | $929.6M | 14.78% | 8.65% | 0.19% |
| Q2 2024 | $819.2M | $929.5M | 14.40% | 8.53% | 0.21% |
| Q3 2024 | $854.6M | $937.9M | 14.31% | 9.36% | 0.17% |
| Q4 2024 | $878.6M | $935.3M | 14.28% | 9.17% | 0.17% |
| Q1 2025 | $911.9M | $997.1M | 14.68% | 9.78% | 0.17% |
| Q2 2025 | $937.0M | $1.01B | 14.74% | 9.73% | 0.16% |
| Q3 2025 | $953.8M | $1.01B | 14.63% | 9.56% | 0.22% |
| Q4 2025 | $974.6M | $1.03B | 14.66% | 9.55% | 0.23% |
| Q1 2026 | $976.8M | $1.08B | 15.36% | 9.08% | 0.24% |
| Q2 2026 | $999.4M | $1.10B | 15.44% | 9.50% | 0.30% |
Marquette Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Marquette Savings 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 Marquette Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30544) · FFIEC NIC profile (RSSD 304173)