Marathon Bancorp, Inc. /MD/
Marathon Bancorp, Inc. is the holding company for Marathon Bank, a Wisconsin-chartered savings bank headquartered in Wausau, Wisconsin. Through its community banking franchise, it takes deposits and originates loans for households and businesses, with a focus on local relationship banking in Wisconsin.
Tilikausi 2026 · muutos edellisvuodesta
Kehitys 2021–2026
Liiketoiminta
Osuus liikevaihdostaCore banking deposits, including transaction and time deposits used to fund lending and investments.
Loans secured by income-producing property for business and investor customers.
One- to four-family residential mortgage loans for homebuyers and homeowners.
Financing for apartment properties and, to a lesser extent, construction projects.
Smaller commercial and industrial loans plus consumer credit products.
Asiakkaat
Marathon Bank serves deposit and borrowing customers in the communities around its branch network, especially in Marathon, Ozaukee and Waukesha Counties. On the lending side, it focuses on select businesses and customers in Southeastern Wisconsin, with commercial real estate and multifamily borrowers as important targets. The bank competes for local households, small businesses, property owners and borrowers that value relationship-based service over larger-bank scale.
Households and individuals in the branch communities who place deposits and use basic banking services.
Businesses and investors financing income-producing properties, a key lending focus for the bank.
Homebuyers and homeowners taking one- to four-family mortgage loans.
Apartment property owners and developers seeking multifamily real estate financing.
Local businesses using commercial and industrial loans for working capital and expansion.
Strategia
Marathon Bancorp is focused on maintaining a strong liquidity position, retaining maturing deposits and using borrowings as a backup funding source. On the asset side, it is seeking to grow commercial real estate and multifamily lending to improve loan yield and manage interest rate risk. The bank also emphasizes community-oriented service as a competitive differentiator against larger banks, fintechs and credit unions.
These loans can improve portfolio yield and help balance interest rate risk.
Deposit retention and backup borrowing capacity support lending and regulatory resilience.
Personalized service helps compete against larger banks, fintechs and credit unions.
Maantiede
The company is headquartered in Wausau, Wisconsin and operates from its main office plus four branch offices in Marathon, Ozaukee and Waukesha Counties. Its primary deposit market is the local branch footprint, while its lending market extends more broadly into Southeastern Wisconsin. This concentration makes performance sensitive to Wisconsin economic conditions, especially employment, housing prices and regional property markets.
Riskit
The bank is exposed to credit risk in commercial real estate, multifamily and residential lending, where repayment depends on property values, borrower cash flow and local economic conditions. It also faces funding and interest rate risk because deposits must be retained or replaced at acceptable costs, while loan yields and securities values can move with rates. Competition from larger banks, credit unions and fintech lenders can pressure deposit pricing and loan growth, while Wisconsin-specific economic weakness can affect both credit quality and the allowance for credit losses.
A meaningful share of lending is tied to property values and borrower cash flows.
Kohdistuu: Commercial real estate and multifamily portfolios
Loan yields, deposit pricing and securities values can move differently as rates change.
Kohdistuu: Net interest margin and liquidity
The bank competes with larger banks, credit unions and fintechs for deposits.
Kohdistuu: Branch markets in Wisconsin
Performance depends heavily on Wisconsin employment, housing and GDP trends.
Kohdistuu: Wisconsin loan and deposit markets
Kirjanpito
Harkinnanvaraiset erätManagement uses lifetime loss estimates and qualitative factors tied to local economic conditions.
Vaikutus: Can materially change provision expense and earnings
Litigation settlements and OREO-related recoveries can create one-off income effects.
Vaikutus: Can distort non-interest income trends
Deposit insurance costs are included in non-interest expense and can rise with funding mix or regulation.
Vaikutus: Affects operating expense run-rate
Tax expense depends on temporary differences and realizability of deferred tax assets.
Vaikutus: Can affect reported tax benefit or expense
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Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.
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Päivitetty: 28.4.2026