TellerScore

Marathon Bank (FDIC certificate #29745) is based in Wausau, Wisconsin. Its Q2 2026 call report shows $261.1M in total assets and $197.8M in deposits and 5 offices.

Marathon Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 34th. Capital cushion contributes the most (100/100, 15.34%); funding & liquidity contributes the least (47/100, 110% loans-to-deposits, 18% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.34%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 109.9% · 17.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (76 → 82), mostly because the earnings component improved by 28 points.

TellerScore
677582Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202471
Q4 202472
Q1 202574
Q2 202576
Q3 202577
Q4 202579
Q1 202682
Q2 202682
Tier 1 leverage ratio
5.00%10.18%15.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.04%
Q3 202413.42%
Q4 202413.64%
Q1 202513.42%
Q2 202515.21%
Q3 202515.04%
Q4 202515.27%
Q1 202615.35%
Q2 202615.34%
Noncurrent loans
0.00%0.05%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.03%
Q3 20250.09%
Q4 20250.09%
Q1 20260.09%
Q2 20260.03%
Return on assets
-0.48%0.20%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.48%
Q3 2024-0.22%
Q4 2024-0.13%
Q1 20250.28%
Q2 20250.08%
Q3 20250.33%
Q4 20250.50%
Q1 20260.88%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$261.1M15.34%0.03%0.78%109.9%
Q1 202682$248.6M15.35%0.09%0.88%116.5%
Q4 202579$247.6M15.27%0.09%0.50%113.9%
Q3 202577$245.5M15.04%0.09%0.33%108.3%
Q2 202576$238.4M15.21%0.03%0.08%109.3%
Q1 202574$236.6M13.42%0.00%0.28%100.2%
Q4 202472$217.7M13.64%0.00%-0.13%101.0%
Q3 202471$216.2M13.42%0.00%-0.22%100.7%
Q2 202467$220.8M13.04%0.00%-0.48%103.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.34%
88th
Total risk-based capital0.00%
24th
Problem loans0.03%
82nd
Net charge-offs-0.28%
99th
Return on assets0.78%
23rd
Net interest margin3.55%
30th
Efficiency ratio73.5%
23rd
Loans to deposits109.9%
3rd
Uninsured deposits17.6%
73rd
Loan-loss reserves0.80%
11th
Texas ratio2.7%
50th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
East Wisconsin Savings BankBank Kaukauna, WI53 out of 100, Below average$265.8M7.1%0.06%vs
Alliance BankBank Mondovi, WI72 out of 100, Strong$266.0M9.0%0.58%vs
Pillar BankBank Baldwin, WI62 out of 100, Moderate$267.0M10.0%0.92%vs
Bank of DeerfieldBank Deerfield, WI76 out of 100, Strong$268.3M10.5%0.13%vs
Security BankBank New Auburn, WI69 out of 100, Moderate$253.8M11.6%1.19%vs
Cleveland State BankBank Cleveland, WI69 out of 100, Moderate$246.5M9.2%0.30%vs

Deposit insurance

Is my money safe at Marathon Bank?

Yes. Marathon Bank is an FDIC-insured institution (FDIC certificate #29745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($34.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Marathon Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Marathon Bank reported 76 home-loan applications under HMDA (LEI 254900GG6WW4AAUFXJ50): 63 originated ($39,725,000 total), 6 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Marathon Bank
Former names
Marathon Savings and Loan Association; Marathon Savings Bank
Type
SI
FDIC certificate #
29745
RSSD ID
596978
Primary regulator
FDIC
Holding company
Marathon Bcorp Inc
Established
January 1, 1902
Headquarters
500 Scott St, Wausau, WI 54403
Employees
31

Quick answers

Marathon Bank: common questions

Is Marathon Bank FDIC insured?

Yes. Marathon Bank is an FDIC-insured institution (FDIC certificate #29745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Marathon Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Marathon Bank ever failed?

There is no failure record for FDIC certificate #29745 in the FDIC failed bank list.

How many branches does Marathon Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wausau

InstitutionScoreAssetsCapitalProblem loansCompare
Marathon County Employees Credit UnionCredit union Wausau, WI86 out of 100, Very strong$46.5M16.3%0.38%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
Crossbridge Community BankBank Tomahawk, WI81 out of 100, Strong$216.7M13.1%0.28%vs
Public Service Credit UnionCredit union Wausau, WI80 out of 100, Strong$13.9M19.3%0.07%vs
Brokaw Credit UnionCredit union Weston, WI79 out of 100, Strong$73.9M12.1%0.55%vs
Cloverbelt Credit UnionCredit union Wausau, WI76 out of 100, Strong$354.2M12.4%0.24%vs