# MARQUETTE BANK
CHICAGO, IL · FDIC certificate 16250 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.09B | |
| Deposits | $1.75B | |
| Loans and leases | $1.41B | |
| Total equity | $191.2M | |
| Loans / deposits | 79.77% (p32 of band) | 87.10% |
| Liquid assets / assets | 25.80% (p67 of band) | |
| Uninsured deposits / deposits | 14.35% (p8 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.48% (p52 of band) | |
| FHLB advances / assets | 0.95% | |
| Tier 1 leverage | 8.40% (p5 of band) | 10.50% |
| Unrealized securities loss / equity | -14.54% (p30 of band) | -7.75% |
| AOCI / equity | -0.84% (p22 of band) | |
| ROA (annualized) | 0.71% (p15 of band) | 1.26% |
| Net interest margin | 3.20% (p22 of band) | 3.70% |
| Efficiency ratio | 74.19% (p86 of band) | |
| Noncurrent loans | 0.10% (p13 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p51 of band) | |
| Reserve coverage of noncurrent | 986.07% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 34.23% (p35 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 312 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 4 | assets shrinking |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 2 |  | deposits shrinking |
| 2013-09 | 1 |  | assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | expense ratio p90 |  |
| 2014-12 | 2 | noncurrent p90 | expense ratio p90 |
| 2015-03 | 4 | capital falling, expense ratio p90 |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 | charge-offs p90 | capital falling |
| 2015-12 | 3 |  | noncurrent p90 |
| 2016-03 | 3 | capital falling | charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, noncurrent p90 |  |
| 2020-06 | 4 | expense ratio p90 |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 2 |  | capital falling, noncurrent p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | reserve under noncurrent |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 1 |  | uninsured deposits leaving, capital falling |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | NIM <2.5% |  |
| 2024-06 | 0 |  | NIM <2.5% |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | expense ratio p90 |  |
| 2025-03 | 0 |  | expense ratio p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | expense ratio p90 |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | expense ratio p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-07-19 [Marquette Bank reimagines modern neighborhood banking - The Beverly Review](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMTY2OEE0Y3FjQVhSb29uUmR2YjVSdjRUZXN4QnZ0RVVBQmxFbUg5ZnRVTWZtTXpId3BKTldpSko2U20zUlZGb2FYdUQyNnBFUVNaOEplNDN2NklqTEJrNENnd2hvcy1vRzVSQng5Y09hdnJncS1iYS1WWEsydF9GZy1ybDFRYnYwMEY4UWRWeHBmSTZ1WmpGS1E3djdSVHVnbV9R?oc=5) · The Beverly Review
- 2024-09-13 [Marquette Bank adds VP of commercial banking to Orland Park office - REJournals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPS0pUSGJPNENPSGlzWUtRa0RZT0NyMnJDNFZIN3BOaDJ6cVhYOWJyanlGZllybGFUZXBvWjYzTVMxdnFWQW9odnpVZVhrall0SWVXNVc2d21sX0FPMEN4SV9JTE5YT183OEtVY3E1NFNhYjNrZk0zRDhtOXNzaDlhV3gyWk55Tks1X3JjMnhIUmkwQUFt?oc=5) · REJournals
- 2025-08-08 [Elizabeth Harn takes helm at Marquette Bank, breaking glass ceiling at the Chicagoland bank - The Business Journals](https://news.google.com/rss/articles/CBMitwFBVV95cUxPQVNhNjRHamZ4STkyRGg4aWdPYmRYdDBOZnM2OVE1NTRXVDQxeTlOLUF3SkV4VmNleGhydklhcm92REZ2LTFkeDJNUmFmOTFha1lKNE1GZVdQUndqV0pXa1ZJdktxMnliX0FrSmQxaVgtWk5QU2ZCY1NEdy1hWnhlUUpIT3Y4TlNLQ08xS3ZRUk9RNkhMMWdkM3ltVHRERmtPMWM5NEVObncxTjBwU1pLMWhZUkN3dFk?oc=5) · The Business Journals
- 2023-02-27 [Michael Ziccarelli, Marquette Bank - Scotsman Guide](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNUtnb19xQXZxaHpxWkpaLTRqTWsxSXd5eVlPYlAxQlZxMks0RjExS2dUMEpycUlVZnNwUVBUUzJYcmx2Z20xc25IRlpyTzF5dllZRjhmYWp3ekdUd0psS0dyS09NODRmWHpEWkxfbjkwYVNsbUNmRlBiVWFSRjVHTW85VUFzN0dkV3JDSmpMTEZYempfSC1Zc3d2Q2o?oc=5) · Scotsman Guide
- 2026-03-23 [Marquette Bank: Mortgage rates amid inflation fears - WGN Radio 720](https://news.google.com/rss/articles/CBMilgFBVV95cUxQclU0Q1FpQUxQc3JremI1YlRuRXRNMWNmOTVrMkhVTTdIbzdpa3MyVk9LRHJveHhJS0toeTNmV3U0RVU0bWE5MUlwSTRrNll2SFZPSDM4WEtlOW90QUIwN01kUXpvaWVvME5Mdkh1MDNYUXgzeXVpc0hQZjFycThOMkRpc3Bvd1hnOEgtd2RYY0ptbTJOSnfSAZsBQVVfeXFMTnZSX1Bjd2UxdTlKV3oya1hheXlpdjJETmpRb1U3amQyVkVObEp1ODNMUS1CMC1qUTdpOEVDeXN3QmRzc0ZCWHZGdTRwbWs0VndHa1NXX0ZRR2N3czV4T01hYlRhZ0RFWVJzVFp3ZGU0aWtFbUxleGRLa1hlNkpNNGtVS3o4Y2FIM1FzNHM1OGNzckdIU2hKRXRDUEk?oc=5) · WGN Radio 720
- 2019-08-01 [Marquette Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMifEFVX3lxTE9NcFNOTUVKcTRoT2JYLW52RVBqdWhiLWMxNXBVNlpGeUxCSE9qTHRxZ0JtUUJpS0xSS1Rqa2Q2cUJQakY5cGU0VHl5QktTcHpJbWYzTkEwenI1cEhyUFFTT2NZb2lHRnVRRmNicW56ak1SYUpIeU82MGRpemY?oc=5) · SmartAsset
- 2025-12-23 [Teachers win in Marquette Bank prize drawing - The Beverly Review](https://news.google.com/rss/articles/CBMioAFBVV95cUxORHdPMWFnaTR4YlpOak9OY0lTU1JHWFl6RDhydm5CSzBTbTNIT2Y2cGtZU1YzeVNoT2RoV3BsbDZjOE5ZemhyRkF6SE8yVEpKMXc1aUM1S1BpRXdIWEJBdXUteTB6TFR1ZkFTc0xnc2VhR2ZoSVU5cmlKMklrOWJObk1lLWViUXFHMzhNc3dxNHMzOE5fcERWMHE0S2t0RnNo?oc=5) · The Beverly Review
- 2018-05-21 [Michael Mangin Steps Down From Tinley Park Board After A Year - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxNejVFc2RHeHZRSVdVV3NVcmFZVHQzNnV2WG5HTFNLUE1ieUVUZDhNODQ4Sm8wNXdDUjJKRjBYZlB6eFVZaFhiZzF0Nkl2SFRXUmNtbUp5ekQyalRub2xIZ3RVNU40bjFTeU1kY0FBTlVJczljZi0wNnlkRFpkSE1lcFUwOV9nd2ZuM295SlFNbldMbDQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16250 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "16250", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide