Marathon Bancorp Inc 's

The company operates in a competitive market for loans and deposits, facing competition from various financial institutions including large money center and regional banks, community banks, credit unions, savings institutions, mortgage banking firms, consumer finance companies, money market funds, brokerage firms, mutual funds, insurance companies, fintech, and internet banking companies. Some competitors provide services not currently offered by the company, such as trust services and private banking. As of June 30, 2025, the company held 2.99% of FDIC-insured deposits in Marathon County, ranking ninth among 17 institutions, and 0.53% in Ozaukee County, ranking 13th among 15 institutions. The competitive environment includes numerous financial institutions of varying sizes offering a broad range of products, which affects deposit rates, terms, and the ability to attract and retain deposits at favorable rates. Competitors identified in filings include ABB Campus, Advocate Aurora Health, Ascension-Wisconsin, Aspirus, Aurora Health Care, Columbia-St. Mary’s Hospital, Concordia University Wisconsin, Froedtert ThedaCare, GE Healthcare Technologies, Kohl’s, Kroger Co., Linetec, Northwestern Mutual, Quad/Graphics, Inc., Rockwell Automation, Siemens, Stryker, and United Medical Resources.