信贷损失准备金 - 截至2025年6月30日，信贷损失准备金为170万美元，较2024年同期的180万美元有所下降[267] - 信贷损失准备金中110万美元（占比65.7%）分配给一至四户住宅贷款组合，46.1万美元（占比32.8%）分配给商业房地产和多户住宅贷款组合[269] - 威斯康星州失业率假设从2.4%-3.0%升至3.0%-4.0%，可能导致信贷损失准备金增加13.9万美元（增幅8.1%）[270][271] - 威斯康星州年度房价指数假设从4.4%-6.5%降至0.4%-4.4%，可能对信贷损失准备金模型产生重大影响[270][271] - 威斯康星州年度GDP增长率假设范围保持-6.6%至2.4%，但变化可能对准备金计算产生重大影响[270][271] - 公司采用24个月合理可支持的预测期进行信贷损失评估，该评估包含主观判断且可能随信息更新而重大调整[260] - 信贷损失准备金计算方法基于历史经验、经济信息和管理层判断，经济状况恶化可能导致准备金进一步增加[266] - 公司对可供出售证券进行信用损失评估，信用损失通过ACL列示，非信用因素导致的贬值计入AOCI[274][276] - 持有至到期证券组合主要由高评级美国机构住宅抵押贷款支持证券构成，采用历史损失法评估预期收回净额[277] - 止赎资产按公允价值减预计销售成本初始计量，后续按账面价值与公允价值减销售成本孰低计量[278] - 信用损失拨备回收减少9.6万美元，从2024年回收19万美元降至2025年回收9.4万美元[310] - 贷款损失准备金率从2024年0.97%降至2025年0.84%[312] - 信贷损失准备金占总贷款比例从0.97%下降至0.84%[284] 资产和负债变化 - 总资产增长1950万美元（8.9%）至2.388亿美元，主要受贷款净额增长1730万美元（9.5%）和现金及等价物增长390万美元（37.4%）驱动[286] - 贷款总额增长1730万美元（9.5%）至2.026亿美元，其中商业房地产贷款增长1760万美元（23.6%），多户住宅贷款增长270万美元（6.0%）[290] - 现金及现金等价物增长390万美元（37.4%）至1440万美元，主要来自公司转换募集的1390万美元净收益[287] - 可供出售债务证券减少140万美元（21.3%）至520万美元，主因100万美元公司债券到期及市政债券赎回[289] - 存款总额增长220万美元（1.3%）至1.752亿美元，活期及货币市场存款增长约510万美元[292] - 股东权益增长1440万美元（46.1%）至4570万美元，主要来自公司转换募集的1520万美元净收益[294] 收入和利润 - 净收入从2024年净亏损18.7万美元转为2025年净利润4.2万美元，增长22.9万美元或122.7%[301] - 净利息收入增长20.3万美元或3.8%，从580万美元增至600万美元[308] - 净息差从2.75%提升至2.84%，净利息收入从584万美元增至604万美元[283][297] - 非利息收入增长2.3万美元或3.2%，从72.6万美元增至74.9万美元[315] 成本和费用 - 非利息支出下降12.8万美元或1.8%，从700万美元降至687万美元[317] - 存款利息支出增长9.6万美元或3.3%，从290万美元增至300万美元[306] 贷款和证券收益 - 贷款组合平均余额下降1050万美元或5.4%，从1935万美元降至1830万美元[303] - 贷款平均收益率上升27个基点，从4.46%增至4.73%[303] - 债务证券利息收入下降4.5万美元或21.2%，从21.4万美元降至16.9万美元[304] 资本和流动性 - 公司拥有芝加哥联邦住房贷款银行8280万美元信贷额度，其中1500万美元已被提取[321] - 公司可从美联储银行获得1750万美元借款额度，并有500万美元无担保联邦基金购买限额[321] - 公司主要流动资金来源包括存款、贷款和证券的本息支付[321] - 公司被监管机构分类为"资本充足"银行[325] - 一级资本与平均资产比率从13.04%提升至15.21%[284] 现金流 - 公司经营活动现金流从2024年的41.7万美元增至2025年的140万美元[323] - 公司投资活动现金流从2024年提供1770万美元转为2025年使用1560万美元[323] - 公司融资活动现金流从2024年使用1940万美元转为2025年提供1800万美元[323] 表外承诺和存款到期 - 公司有480万美元未偿还贷款承诺和32.9万美元未偿还贷款销售承诺[326] - 2025年6月30日一年内到期定期存款总额为4620万美元[326] - 公司预计大部分到期定期存款将被保留[326] 盈利能力比率 - 平均资产回报率从-0.08%改善至0.02%，平均股权回报率从-0.62%提升至0.14%[284]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 001-42608 MARATHON BANCORP, INC. (Exact name of registrant as specified in its charter) | Maryland | 86-21 ...

FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the transition period from ________ to ________ Commission File Number: 000-56269 MARATHON BANCORP, INC. (Exact name of registrant as specified in its charter) | Maryland | 86 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-56269 MARATHON BANCORP, INC. (Exact name of registrant as specified in its charter) | Maryland | 8 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-56269 MARATHON BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 86-2191258 (State ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-56269 MARATHON BANCORP, INC. (Exact name of registrant as specified in its charter) | Maryland | 86-2191258 | | --- | --- | | ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2023 or (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (715) 845-7331 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commissi ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (715) 845-7331 Securities registered pursuant to Section 12(b) of the Act: or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-56269 MARATHON BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 86-2191258 (State ...

Table of Contents Dee UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-56269 MARATHON BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 86-21 ...