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Jersey State Bank

Jerseyville, IL · Cert 12384 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · JSB Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$190.1MAssets
$97.2MLoans
$167.5MDeposits
$21.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets in the St. Louis, MO-IL area (rank 35 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.85%

Rank 25 of 40

Net Interest Margin

2.82%

Rank 35 of 40

Efficiency Ratio

69.46%

Rank 25 of 40

Equity / Assets

11.04%

Rank 15 of 40

Non-interest income vs. expense

$1.0M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 40% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 69.46%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.64%1.04%1.26%Beats 38%25 / 40
Return on Equity7.69%6.25%9.97%13.41%Beats 33%27 / 40
Net Interest Margin2.82%3.09%3.22%3.62%Beats 13%35 / 40
Efficiency Ratio69.46%57.08%64.37%75.86%Beats 40%25 / 40
Asset Quality
Nonperforming Loans / Loans1.18%0.14%0.62%1.92%Beats 39%24 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio13.30%10.29%12.88%15.77%Beats 57%17 / 40
Total Risk-Based Capital Ratio13.30%10.64%13.30%17.01%Beats 50%20 / 40
Equity / Assets11.04%8.59%9.46%12.46%Beats 63%15 / 40
Liquidity & Funding
Loans / Deposits58.07%66.12%79.48%94.60%15th pctl34 / 40
Loans / Assets51.17%54.69%68.52%77.46%18th pctl33 / 40
Brokered Deposits / Depositsn/aNot reported for this institution