MBBC 最新10-K变化

相对上期新增的文字 · 来源:10-K · 2026-09-16

• General. Our lending activity consists of originating commercial and multifamily real estate loans, one- to four-family residential real estate loans and, to a lesser extent, commercial and industrial loans, construction loans and consumer loans. Subject to market conditions, we intend to increase o…

• currently expose the insured institution to sufficient risk to warrant classification in one of the aforementioned categories but possess weaknesses are designated as “special mention” or “Watch” by our management.

• On the basis of our review of our loans, our classified and special mention or watch loans at the dates indicated were as follows. At June 30, 2026, one commercial real estate loan totaling $648,000 was rated special mention/watch. At June 30, 2025, special mention/watch rated loans consisted of one…

• allowance for credit losses and as a result of such reviews, we may have to adjust our allowance for loan losses or recognize further loan charge-offs.

• Depository institutions and their holding companies that have less than $10 billion in total consolidated assets and meet other qualifying criteria may elect to use the optional community bank leverage ratio framework, which requires maintaining a leverage ratio of greater than 8.0% (reduced from 9%…

相对上期删除的文字 · 来源:10-K · 2025-09-26

• General. Our lending activity consists of originating commercial and multifamily real estate loans, one- to four-family residential real estate loans and, to a lesser extent, commercial and industrial loans, construction loans and

• consumer loans. Subject to market conditions, we intend to increase originations of commercial real estate loans and multifamily real estate loans in order to increase the overall yield earned on our loans and manage interest rate risk.

• On the basis of our review of our loans, our classified and special mention or watch loans at the dates indicated were as follows. The June 30, 2025 loans are all rated watch and consist of a commercial real estate loan of $657,000 and a multifamily real estate loan of $494,000 from one customer.

• The Economic Growth, Regulatory Relief and Consumer Protection Act, enacted in 2018, required the federal banking agencies, including the FDIC, to establish for institutions with assets of less than $10 billion a “community bank leverage ratio” of between 8 to 10% (Tier 1 capital to average total co…

• The community bank leverage ratio was established at 9.0%. A qualifying institution may opt in and out of the community bank leverage ratio framework on its quarterly call report. An institution that temporarily ceases to meet any

相对上期删除的文字 · 来源:10-K · 2025-09-26

• identify the likelihood and severity of the risk and the possible impact of the risk on the Company, its customers, and employees.

相对上期新增的文字 · 来源:10-K · 2026-09-16

• Changes in the Wisconsin unemployment rate, the Wisconsin annual housing price index and the Wisconsin annual gross domestic product could have a material impact on the model’s estimation of the allowance for credit losses. Marathon Bank’s methodology for maintaining its allowance for credit losses …

• While management has concluded that its current evaluation is reasonable under the circumstances, and that sensitivity analysis is based on a series of hypothetical scenarios not intended to represent management’s assumptions or judgement of factors as of June 30, 2026, it has also concluded that di…

• Allowance for Credit Losses on Available for Sale (“AFS”) Securities. The new standard requires credit losses to be presented as an ACL. The Company is still required to conduct an impairment evaluation on AFS securities to determine whether the Company has the intent to sell the security or it is m…

• Debt Securities Available for Sale. Total debt securities available for sale decreased by $1.3 million, or 24.6%, to $3.9 million at June 30, 2026 from $5.2 million at June 30, 2025 due to $1.3 million of debt securities available for sale maturing or being called during the year ended June 30, 2026…

• Loans. Gross loans increased $16.7 million, or 8.3%, to $219.3 million at June 30, 2026, from $202.6 million at June 30, 2025. The increase was primarily due to an increase in one-to-four-family residential loans of $7.2 million, or 12.8%, an increase in multi-family real estate loans of $6.1 millio…

相对上期删除的文字 · 来源:10-K · 2025-09-26

• In 2012, the JOBS Act was signed into law. The JOBS Act contains provisions that, among other things, reduce certain reporting requirements for qualifying public companies. As an “emerging growth company” we may delay adoption of new or revised accounting pronouncements applicable to public companie…

• Accordingly, our financial statements may not be comparable to companies that comply with such new or revised accounting standards.

• allocated to the one- to four-family residential loan portfolio and the commercial real estate and multifamily real estate loan portfolios was $1.1 million and $461,000, respectively, or 65.7% and 32.8%, respectively.

• Changes in the Wisconsin unemployment rate, the Wisconsin annual housing price index and the Wisconsin annual gross domestic product could have a material impact on the model’s estimation of the allowance for credit losses. Marathon Bank’s methodology for maintaining its allowance for credit losses …

• While management has concluded that its current evaluation is reasonable under the circumstances, and that sensitivity analysis is based on a series of hypothetical scenarios not intended to represent management’s assumptions or judgement of factors as of June 30, 2025, it has also concluded that di…