Marathon Bancorp, Inc. reported a significant increase in its financial performance for the three months ended September 30, 2025, with net income rising to $444,293, a 154% increase from $174,907 in the same period last year. This growth was primarily driven by a 37.5% increase in net interest income, which reached $1,953,024, compared to $1,420,094 in the prior year. The company’s total interest income also saw a notable rise, increasing by 24.4% to $2,875,415, largely due to a $545,000 increase in loan interest income, attributed to both higher average yields and an increase in the average balance of loans.
In terms of operational metrics, Marathon Bancorp's total assets grew by 3% to $245.99 million, up from $238.83 million at the end of June 2025. The increase was fueled by a $5.5 million rise in net loans, which reached $206.26 million, and a $1.1 million increase in cash and cash equivalents. The company also reported a 3.7% increase in total deposits, which amounted to $181.72 million, reflecting a strategic focus on relationship management to enhance customer deposit balances.
The company’s loan portfolio showed a shift towards multi-family real estate and one-to-four-family residential loans, which increased by 6.1% and 4.6%, respectively. This strategic decision aligns with Marathon Bancorp's goal to expand its lending operations. Additionally, the allowance for credit losses decreased to $1.67 million, representing 0.80% of total loans, down from 0.92% a year earlier, indicating improved asset quality.
Marathon Bancorp also maintained a strong capital position, with total stockholders' equity increasing to $46.28 million, up from $45.71 million. The company remains classified as "well capitalized" under regulatory standards, with a Tier 1 capital ratio of 15.04% as of September 30, 2025. Looking ahead, management expressed confidence in sustaining growth through strategic lending initiatives and effective risk management practices, while also monitoring economic conditions that could impact future performance.
About Marathon Bancorp, Inc. /MD/
Marathon Bancorp, Inc. is a Maryland-based holding company for Marathon Bank, a community-oriented Wisconsin savings bank. It offers personal and commercial banking services, including loans for real estate, small businesses, and consumers. The bank focuses on residential, multifamily, and commercial real estate lending, serving local markets with personalized service and a diversified loan portfolio. It operates under strict regulatory oversight, emphasizing asset quality and risk management.
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