Marseilles Bank
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Data as of · sourced from FFIEC call reports. How we update
Marseilles Bank is an FDIC-insured commercial bank headquartered in Marseilles, IL, established in 1945 (FDIC certificate 16318), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $77.6M, up 0.3% from Q2 2025, the 279th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 20.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16318
- Headquarters
- Marseilles, IL
- Established
- 1945
- Total assets, Q2 2026
- $77.6M
- Assets vs Q2 2025
- +0.3%
- CET1 ratio, Q2 2026
- 20.06%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071921956
- Holding company
- MARSEILLES BANCORPORATION, INC.
- Asset rank in state
- 279th of 319 in Illinois
Problem loans are rising at Marseilles Bank. Based in Marseilles, Illinois, it had $78 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.02% of loans from 0.72% a year earlier. It keeps 2.41 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also funds 8.31% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $2.5 million equal 37% of Tier 1 capital, down from 50% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.0% of the capital and reserves that would absorb them, 5.8 times the median of 1.4% for banks its size.
As of June 30, 2026, Marseilles Bank reported a CET1 capital ratio of 20.06%, a return on assets of 0.64%, a nonperforming-loan ratio of 1.02% and a Texas ratio of 7.97%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Marseilles Bank is the 279th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $77.6M, loans fell 1.9% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 66.2% of total loans, ahead of owner-occupied commercial real estate loans at 10.5%. Its 2 offices in the FDIC Summary of Deposits are in Marseilles, IL. On its Q2 2026 call report, Marseilles Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Bluff St, Marseilles, IL 61341
- County
- Lasalle
- Metro Area
- Ottawa, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 24, 1945
- Former names
- Marseilles Bank National Association (1994-2002); Union National Bank of Marseilles (1972-1994)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $68.1M
- Allowance for credit losses
- $379K
- Net charge-offs (YTD)
- $96K
- Average total assets
- $81.1M
- Average total loans
- $36.1M
- Average interest-bearing deposits
- $48.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 1945
- FDIC Cert
- 16318
- Fed RSSD
- 104542
- Website
- www.marseillesbank.com →
- Parent Holding Company
- MARSEILLES BANCORPORATION, INC. (RSSD 1491780)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Marseilles Bank's total assets ranged from $70.1M (Q3 2023) to $78.6M (Q1 2026), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$77.6M total assets against $77.4M; $73.4M total liabilities against $74.1M.
$35.6M net loans and leases against $33.4M; $68.1M total deposits against $64.8M.
$34.0M securities against $38.7M; $6.4M cash and balances due against $3.6M.
$781K total interest income against $711K; $307K total interest expense against $351K.
$474K net interest income against $360K.
$44K total noninterest income against $42K; $375K total noninterest expense against $375K.
$13K provision for credit losses against $6K.
$130K net income against $21K.
0.64% return on assets against 0.10%; 2.41% net interest margin against 1.85%.
20.06% CET1 capital ratio against 16.82%; 8.31% tier 1 leverage ratio against 8.14%.
Inside the full Marseilles Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.06% (Q3 2024) to 0.64% (Q2 2026) and its net interest margin ran from 1.60% (Q3 2024) to 2.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.06% | 0.64% | 1.02% | 7.97% | 2.41% |
| Q1 2026 | 16.61% | 0.00% | 0.75% | 5.95% | 2.22% |
| Q4 2025 | 16.68% | 0.41% | 0.90% | 7.25% | 2.19% |
| Q3 2025 | 16.92% | 0.13% | 1.03% | 8.47% | 1.84% |
| Q2 2025 | 16.82% | 0.10% | 0.72% | 6.71% | 1.85% |
| Q1 2025 | 16.65% | 0.15% | 0.78% | 7.95% | 1.82% |
| Q4 2024 | 16.52% | 0.19% | 0.77% | 9.81% | 1.68% |
| Q3 2024 | 16.01% | -0.06% | 0.78% | 7.65% | 1.60% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Marseilles Bank (main office) | Marseilles , IL | 61341 | $68.1M |
| Drive-In Facility | Marseilles , IL | 61341 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 327 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Marseilles Bank
What are Marseilles Bank's total assets?
As of the Q2 2026 filing, Marseilles Bank reported total assets of $77.6 million in its FFIEC call report.
Where is Marseilles Bank headquartered?
It is headquartered in Marseilles, IL, United States.
When was Marseilles Bank founded?
It was established in 1945, per the FDIC institution directory.
Is Marseilles Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16318). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marseilles Bank?
Marseilles Bank's primary federal regulator is the FDIC.
What is Marseilles Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Marseilles Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Marseilles Bank's Texas Ratio?
Its Texas Ratio is 7.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Marseilles Bank previously called?
The charter now named Marseilles Bank has also operated as Marseilles Bank National Association (1994-2002), Union National Bank of Marseilles (1972-1994), per FDIC structure-change records.
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