# BANK OF MARQUETTE
MARQUETTE, NE · FDIC certificate 5436 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $30.1M | |
| Deposits | $24.2M | |
| Loans and leases | $12.4M | |
| Total equity | $5.8M | |
| Loans / deposits | 49.78% (p21 of band) | 68.03% |
| Liquid assets / assets | 57.08% (p84 of band) | |
| Uninsured deposits / deposits | 5.42% (p15 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.78% (p94 of band) | 10.34% |
| Unrealized securities loss / equity | -1.38% (p34 of band) | -0.15% |
| AOCI / equity | 1.69% (p72 of band) | |
| ROA (annualized) | -1.37% (p2 of band) | 0.74% |
| Net interest margin | 3.07% (p22 of band) | 3.59% |
| Efficiency ratio | 74.45% (p49 of band) | |
| Noncurrent loans | 0.01% (p13 of band) | 0.94% |
| Net charge-offs (annualized) | -0.06% (p8 of band) | |
| Reserve coverage of noncurrent | 33500.00% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 1.40% (p19 of band) | |
| Auto loans | $757,000 (6.11% of loans; DQ 5.55%, NCO -0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.5% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 4 | capital falling, losing money, deposits shrinking, assets shrinking |  |

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

- 2026-03-12 [John Ferguson - Aurora News-Register](https://news.google.com/rss/articles/CBMia0FVX3lxTE11UlJRdDNmTXlJMHF1R2d1bXI2czc2N2t1aFJ3Sm8yRWotc2xKWlNwYUNpTEw5dUllRXdGbGhyWVFySEp3TkxmMHVaVTRXc3dlNk45VTNlM3VJcE42bzluOEliMk1DS2l6SW80?oc=5) · Aurora News-Register
- 2026-06-15 [Lillian Sofia Rivers - Negaunee, MI – September 6, 1928 ~ June 5, 2026 - Upper Michigan's Source](https://news.google.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?oc=5) · Upper Michigan's Source
- 2025-02-16 [Gary Phillis Obituary Feb 16, 2025 - crawfordfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFB0eWE4LU9ack82YUhUbGhhc2k2Z3ZJZDNiRXlOWGZSTFh6RVVHSmRjWUtQSlNkdWpJb0FXZGpmWUZkMEtMYkpPZHBhWnJxdDllQWpaZkJzX1FWTVBKeU1Z?oc=5) · crawfordfh.com
- 2025-04-26 [Bruce Paquette - The Mining Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE5tRFZNTmkwUWl1Y3hLT3hEME13NDJGVFZ3RWdsbG1nMC1WRS1RWVcwQjlGUVJiamtIUzNSNG5NV3ZVUXhoLVdzNmM2SHdYRXpNX3hHUENLSVhJbF9IZXczTmlSanhTbnZIdWF1WS1fbzhqQQ?oc=5) · The Mining Journal
- 2025-09-04 [Join the Puckaway Pigfest for BBQ & Fun! - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTGdlRms1T0gyVFdYVkgwUF9OY0xDZ0JPajRmQnNoVVRjb2dCeW51UVNFcDlBY1lBOXVVeFNfX3Vaa2pRN2N6RmRXNDVsMEM5aVlRUGRNQWprcERuTUt1NUI1MjhGT0VkNGtRRFRjbDJkd1FSb2xLekdiTFVCaHBHbE03OVdwdlRXTjhuWnc4ZmlGY0k0am85X3pobFBKZktSUWRScndQYmxMQVlZTmMzUG8ydWhldmdjSzQ0?oc=5) · Ripon Commonwealth Press
- 2018-11-06 [Marquette basketball primed for regular season debut at Fiserv Forum - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOVS1oRjNGM2o4UGRmUWN4NWVoUGhuc0hmT3FkME1HUl9Bdko4SEdPSHk3WkJsNW5jZmtkcUtPcjh3eXBKWjFWTVVQeGhFTGhfNDZVbzRWdmZlWVU2eGg2YjF3VDJKYWZSUlR5VUhfNVk3X2JHMkQyYU5zYWtOYW9GY1JFZjdMQ21qT1lUVTE2VU9IZF9iYmpCYkk1OUZsRFk?oc=5) · The Business Journals
- 2022-07-26 [Finlandia University celebrates the opening of Hirvonen Hall - - The Mining Gazette](https://news.google.com/rss/articles/CBMitgFBVV95cUxQa2pZeGJXcW1YdWJMNGctam1QY0Z4RU1pMUtfdFJ0Mlh0aTVnaEs2b3dwMmhnX1gwb0ZEVFFUeVlWODhuME4zLVBPVE1iRkxsam9SNDIxd1o3TkxRQUVTZVBaY0Fxdm5peEVkcnFyN2RscDJ6WEhocXVaUk92b3czb3B4VjNtM2ZhdjdfOFJ4SlRRUEl4dmxULVRseWNVaVJmZVU2YTc1UzNVeVVYMEVzeU1WV3Vidw?oc=5) · The Mining Gazette
- 2026-06-09 [Lillian Sofia Rivers - - The Mining Journal](https://news.google.com/rss/articles/CBMiekFVX3lxTE1la0FYZTUzSkc5YWxRbW9EVFJqRk1XTktURTRDSXVaSU9pMmNHQUtaRzBwM1ZTVTdOUVpaeVZtNUVvQjRVYjNSVnRDNXdqbHVsSXZ1V0JVRmZ2VFVKbVFnM2JsVlo2Snc1cGxFMG5sS1ZPU3JoUWVZSkFR?oc=5) · The Mining Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5436 (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/60.json (key "5436", 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