BlastPoint's Banking Scorecard
Marathon Bank
Micro
Specialty: Commercial
WI
FDIC cert 29745
Designations: ✓ Community bank
Wausau, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Marathon Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.6M
+13.7% YoY
+0.9% QoQ
|
+$30.1M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$211.6M
+19.8% YoY
+2.8% QoQ
|
+$72.4M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$185.7M
+6.2% YoY
-2.3% QoQ
|
+$2.1M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.50%
+484.7% YoY
+48.9% QoQ
|
-0.59% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.28%
+18.2% YoY
+3.4% QoQ
|
-0.58% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
80.94%
-28.4% YoY
-6.6% QoQ
|
+13.21% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.09%
-2.7% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
113.92%
+12.8% YoY
+5.2% QoQ
|
+39.39% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.44%
+15.1% YoY
-1.3% QoQ
|
-6.96% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.49%
-23.9% YoY
-0.9% QoQ
|
+0.04% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
+367.8% YoY
+81.2% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
113.92%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Total Loans
Current: $211.6M · Tier avg: $139.2M
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
62
62th pctile
Total Assets
Current: $247.6M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $185.7M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
25
25th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.85%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.44% · Tier avg: 22.39%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
19
19th pctile
Efficiency Ratio
Current: 80.94% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
2
2th pctile
Loan-to-Deposit Ratio
Current: 113.92% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 113.92% · Tier avg: 74.53%
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 80.94% · Tier avg: 67.73%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.44% · Tier avg: 22.39%
25
25th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.85%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Deposits
Current: $185.7M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $247.6M · Tier avg: $217.5M
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
77
77th pctile
Total Loans
Current: $211.6M · Tier avg: $139.2M