# MARQUETTE SAVINGS BANK
ERIE, PA · FDIC certificate 30544 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $1.44B | |
| Deposits | $1.10B | |
| Loans and leases | $999.4M | |
| Total equity | $169.1M | |
| Loans / deposits | 89.89% (p59 of band) | 87.10% |
| Liquid assets / assets | 23.75% (p60 of band) | |
| Uninsured deposits / deposits | 17.41% (p12 of band) | 30.76% |
| Brokered deposits | 1.14% | |
| Wholesale funding | 12.34% (p72 of band) | |
| FHLB advances / assets | 11.20% | |
| Tier 1 leverage | 13.58% (p88 of band) | 10.50% |
| Unrealized securities loss / equity | -22.55% (p16 of band) | -7.75% |
| AOCI / equity | -0.20% (p57 of band) | |
| ROA (annualized) | 0.53% (p10 of band) | 1.26% |
| Net interest margin | 2.80% (p10 of band) | 3.70% |
| Efficiency ratio | 78.17% (p91 of band) | |
| Noncurrent loans | 0.66% (p60 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p60 of band) | |
| Reserve coverage of noncurrent | 92.30% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 22.04% (p20 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 | 9.7% | |
| Employees | 158 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | expense ratio p90 |  |
| 2021-03 | 1 |  | reserve under noncurrent, expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 1 | capital falling | reserve under noncurrent |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 4 | expense ratio p90, deposits shrinking |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity, deposits shrinking |
| 2023-06 | 3 |  |  |
| 2023-09 | 5 | capital falling, reserve under noncurrent |  |
| 2023-12 | 5 | NIM <2.5% | reserve under noncurrent |
| 2024-03 | 3 |  | uninsured deposits leaving, capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | wholesale funding >15% | securities losses >30% of equity |
| 2024-12 | 5 | capital falling, securities losses >30% of equity, reserve under noncurrent | wholesale funding >15% |
| 2025-03 | 4 |  | reserve under noncurrent |
| 2025-06 | 5 | reserve under noncurrent |  |
| 2025-09 | 1 |  | NIM <2.5%, capital falling, securities losses >30% of equity, reserve under noncurrent |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 |  |  |

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

- 2021-07-20 [Inside Marquette Bank's new Erie operations center: Office space, coffee, help with tech problems - Erie Times-News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPMzY3LUc3b0NwTDRhQ0lsZHBEYUJMdHYtYXZHbk01MThESUNjMTZseUdLOThFVjU1MllxWHdhbjJOWjJWUE4yNnpSakl2NkRwY2RzcTIzQkZnSFlpZDc5SjVOUVNUcnM2S1BSaUh1NW1fUm5tR3I4Z0Q2ejRsbmRQVWRqNlM4QUh2OTdXb0xTY3Z6ZWU4ZEpNdE9QOTU3dGU2Z1NodFdhNXBzUFFkR0tXSzc4ZkVVMlU5NnhHdF9PVXlfVHEzMGxoUg?oc=5) · Erie Times-News
- 2021-07-12 [Marquette Savings Bank to unveil new seven million dollar operations, training and innovation learning center - yourerie.com](https://news.google.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?oc=5) · yourerie.com
- 2022-11-11 [Bank files mortgage foreclosure on closed Pa. VFD - FireRescue1](https://news.google.com/rss/articles/CBMiswFBVV95cUxNdHV4dThfeS1Gb0NweXpZZk5jU2ZKVE5vd3FodV91SW9LYnBxdmwxXzRENVMzZWF6OGNEcklBdmZqS2pvQUliTjRNeW96aDhpVnFkR19tMXhOLThVTC1maXd5bTljWjRKSTZHZEpvMWdPY3hzbl8yQndGY0l1X1B1dTZxeE9qbGMyTWpzLTJfNTNzTWtMNGM0U3d2cl85ZzM3X3dBYUxmdW9EQ29zWGNDM3hyUQ?oc=5) · FireRescue1
- 2020-10-27 [The obstacles banks face in efforts to diversify ranks - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxQczg3ZWFoMjU1bzkwWU5mTTZvNklqWm5JMEFsNEtmNW15M3RjMEJuVFRtc1FSdG5JVnRtV3ZQTjc2Qk1MUjVEXzBpMERZY0VRZTBfTC1ZdUN0RVZmRFQwU0xTOFd1Vzk5SVV3Qjh0emY5Q19ncmxHZDQ0RFQ4dm5UZms4ci1MdTZRNjhBZzFpZnRuRS1V?oc=5) · American Banker
- 2022-01-21 [Marquette Bank names new CEO to replace retiring Michael Edwards - Erie Times-News](https://news.google.com/rss/articles/CBMixgFBVV95cUxQQWF0NkZWb0tzVVF5VnJkcEFhNmVHWWRkZ3hnTjRCal8yVE1kYjBkX3U5eEN3eThuTm1wZ2o1TTBNTE9YX1RBZks5Tmo4TnU1eFJjelYzZVhvQmlvRGFMTTJPZ3dzOUVRajZVNVdUeEliaUZrMnViQ2lwTVpiVngxN1ZmMDhRS0c4eVNralRtNzBYTm9mOWRFZmh3NXZka1pwbHZ5VkZOVVNXWm5QZkQ4N3VMc0xjSXhrNWsyaXlmY0FRTzVZT1E?oc=5) · Erie Times-News
- 2021-02-06 [Denise A. Mccoy Obituary Feb 6, 2021 - Rose Funeral Home | Meadville, PA](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1LWlNIUEx6NjFGandoRUJzUFN2VWRIaTVUajloTkYzQkZhNFpld00zdTg2TTFUU2tUa2V3OWlBR1FMeTFvWjBsX3duMkUyc3dzTW9ReFpjSUNuMWF4?oc=5) · Rose Funeral Home | Meadville, PA
- 2023-08-19 [Marquette Savings Bank EDGA men’s amateur stroke play championship first round highlights (8-18-23) - yourerie.com](https://news.google.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?oc=5) · yourerie.com
- 2025-06-23 [Marquette Savings Bank CEO: HB 1553 misses the mark on protecting consumers | Opinion - Erie Times-News](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNUG9WOTlFU1luTnMzOUl3TUJheHZ0Qm9taENsSnFLTWFFQmFsb1NRZ0N0UnZsS0Rxc1I5aEQ3LTNDT3JCLVhrc0ZsbGJuS1c5WDlwZDJoajhWWGVJaklxeGtZd2V6NVNYckRMaTNYMnlOeFpZVmIwU3Y0QXB3UWlZLXZMS1Y0YkV3TUdCUlBJUEJOT0R3c3NMa2FIT2ZRNjMyTWtscWdNLU9SOVkxb3VyMGdSckpVZnZsVWMtcnZ2N01fRFBtQTdDNDg3LVZGLUtkMVJ3cVNKQWlpbG9HMG92QlRVWU5Bc0tac0VtVXB6NUtJcThFeW9FUg?oc=5) · Erie Times-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30544 (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/16.json (key "30544", 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