MBBC
Marathon Bancorp, Inc.11.98
+0.37+3.19%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
35.21MP/E (TTM)
92.15Basic EPS (TTM)
0.13Dividend Yield
0%Recent Filings
10-Q
Q2 FY2026 results
Marathon Bancorp posted solid Q2 FY2026 results ended December 31, 2025, with net interest income up 46% y/y to $2.1M on 18% loan growth to $214M and 70bps higher yields, driving net income to $501k ($0.19 diluted EPS, up from $0.02). Margins expanded to 3.66% yet deposit costs dipped slightly amid a shift to liquid accounts; provision ticked to $33k on portfolio expansion. Loans net rose $11M q/q, funded by $4M extra FHLB advances (total $19M, maturing 2026-2030) and $3M deposit growth, leaving $13.7M cash. Non-GAAP metrics not disclosed in the 10-Q. Watch list lingers at $653k.
8-K
Stockholders approve directors, auditors
Marathon Bancorp stockholders approved all proposals at the November 18, 2025 annual meeting. Ann M. Werth and Timothy R. Wimmer won election as directors for three-year terms, with Werth drawing 1,361,508 for votes and Wimmer 1,538,316. Auditors Bonadio & Co. ratified overwhelmingly: 2,073,452 for. Routine wins signal steady governance.
10-Q
Q1 FY2026 results
Marathon Bancorp's Q1 FY2026 results showed net interest income climbing 37.5% year-over-year to $1.95M, fueled by loan growth and higher yields, while net income more than doubled to $444K or $0.17 per diluted share. Loans expanded 2.7% quarter-over-quarter to $208M, with multi-family and one-to-four-family residential up notably, though nonaccrual loans ticked higher to $190K. Deposits rose 3.7% to $182M, bolstering liquidity alongside $15M in FHLB advances and $15.5M in cash equivalents. Free cash flow turned negative at -$5.4M (derived) from loan originations outpacing inflows. The April 2025 conversion added $16.9M in proceeds, yet non-GAAP metrics remain undisclosed in the 10-Q. Solid capital ratios persist. Still, lingering foreclosed assets signal ongoing real estate risks.
10-K
FY2025 results
Marathon Bancorp closed FY2025 ended June 30, 2025 with assets at $238.8M, up 8.9% y/y, fueled by loans growing 9.5% to $202.6M on commercial real estate surging 23.6% to $91.9M while one-to-four-family dipped 2.6%. Net interest income edged up 3.8% to $6.0M with margin expanding to 2.84%, yet net income scraped to $42K from a $187K loss. Q4 momentum showed loan growth accelerating amid stabilizing economics, non-performers tame at 0.45% of assets. Deposits ticked 1.3% higher to $175.2M; FHLB debt rose to $15M. No annual guidance disclosed. Construction OREO drags quarterly liquidity.
10-Q
Q3 FY2025 results
Marathon Bancorp swung to a $148K net profit in Q3 FY2025 ended March 31, 2025, up from a $631K loss last year, thanks to $991K lower non-interest expenses—mainly skipping a $937K foreclosed asset writedown. Net interest income edged up 4.1% to $1.5M on a 25bps wider spread to 2.64%, while loans grew 2.8% y/y to $190M despite stable credit with no non-accruals. Deposits climbed 7.5% to $186M, cash swelled to $24M, and FHLB debt hit $15M; free cash flow not disclosed in the 10-Q. The conversion to full stock holding company closed April 21, 2025, raising $16.9M gross. Yet competition for deposits keeps pressure on margins.
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