Marathon Bancorp is the bank holding company for Marathon Bank, a Wisconsin-chartered savings bank operating branches across central and southeastern Wisconsin. The bank gathers deposits from local consumers and businesses and deploys those funds primarily into real estate loans. Its lending portfolio focuses on commercial real estate, multifamily properties, and one- to four-family residential mortgages, alongside limited commercial and industrial lending. Marathon Bank operates on a traditional community banking model, earning net interest income from the spread between loan yields and the cost of deposits and borrowings. In addition, the bank earns non-interest income by originating and selling fixed-rate conforming residential mortgages into the secondary market while retaining loan servicing fees. To manage interest rate risk, the bank retains adjustable-rate residential loans and structures commercial loans with shorter balloon maturities that reprice periodically. Marathon Bancorp's core strategy emphasizes expanding its branch network and scaling its commercial and multifamily real estate lending in the Milwaukee metropolitan area and broader Southeastern Wisconsin.