Marathon Bancorp Inc 's

The company operates in a competitive market environment that includes 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 firms, and internet banking companies. Some competitors provide products and services not currently offered by the company, such as trust services and private banking. As of June 30, 2025, the company held a 2.99% market share of FDIC-insured deposits in Marathon County, ranking ninth among 17 institutions; 0.53% in Ozaukee County, ranking 13th among 15 institutions; and 0.06% in Waukesha County. Deposit rates and terms are influenced by the company’s operating strategies, market rates, liquidity requirements, competitor rates, and growth objectives. The company considers deposits a stable funding source but recognizes that attracting and maintaining deposits at favorable rates depends on market conditions, competition, and prevailing interest rates. Competitors identified in company filings include Advocate Aurora Health, Ascension-Wisconsin, Aspirus, GE Healthcare Technologies, Kohl’s, Northwestern Mutual, Rockwell Automation, Siemens, and Stryker.