BlastPoint's Banking Scorecard
Marquette Savings Bank
Community
Specialty: Mortgage
PA
FDIC cert 30544
Designations: ✓ Mutual
Erie, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Marquette Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 62% in Community
- - Return on Assets 0.94% below tier
- - Net Interest Margin 1.07% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+7.2% YoY
+1.2% QoQ
|
-$24.7M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$968.5M
+10.9% YoY
+2.2% QoQ
|
-$7.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$1.0B
+10.5% YoY
+2.2% QoQ
|
-$130.8M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.22%
+150.2% YoY
+16.2% QoQ
|
-0.94% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.60%
+17.7% YoY
+1.9% QoQ
|
-1.07% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
87.47%
-9.8% YoY
+0.3% QoQ
|
+24.83% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.78%
+26.5% YoY
+27.7% QoQ
|
+0.15% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
93.69%
+0.3% YoY
-0.0% QoQ
|
+10.62% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
17.09%
-2.8% YoY
-1.2% QoQ
|
-3.96% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.56%
+28.3% YoY
+28.4% QoQ
|
+0.06% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
+9.2% YoY
+33.9% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Drag
risk
#95 of 152 · Bottom 62% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.47%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.22%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.60%
(Tier avg: 3.66%, National avg: 3.75%)
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
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.69% · Tier avg: 83.06%
66
66th pctile
Total Loans
Current: $968.5M · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.09% · Tier avg: 21.05%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
33
33th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
8
8th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.66%
5
5th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 87.47% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 87.47% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.16%
8
8th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
33
33th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.09% · Tier avg: 21.05%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
66
66th pctile
Total Loans
Current: $968.5M · Tier avg: $975.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.69% · Tier avg: 83.06%