Doesn't each bank have two batteries in parallel?
My preference on battery health is the old school method.
That is fully charge the battery for 24 hours on an appropriate charger.
Then, apply a load that would discharge a new battery in 20 hours. So, for a 100Ah battery, apply a 5A load.
Run the battery on the load until discharged. Measure the run time.
The battery is considered good if the measured capacity exceeds 50% of the nameplate rating, exceeding 10 hours in this run time test.
The new method is to use a multimeter-type device that measures the AC conductance, compares it to an internal table to report good / bad as an immediate test result.
The marginal test is to measure each battery with a voltage meter. A fully charged idle battery measures about 12.5VDC.
Check ALL the electrical connections. A single bad connection will cause the boat to act like the battery is bad. ALL the connections MUST be clean, tight and sealed. Liquid rubber brush on insulation is good to maintain the connection integrity.