Jersey Shore State Bank
Jersey Shore, PA · Cert 14359 · Peer group: banks $1B-$10B in assets operating in a single state (n=293-294)
FDIC · 17 branches
Q2 2025
$1.6BAssets
$1.4BLoans
$1.1BDeposits
$141.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 67% of banks $1B-$10B in assets operating in a single state (rank 97 of 294).
- Widest gap: total risk-based capital ratio trails 87% of banks $1B-$10B in assets operating in a single state (rank 255 of 294).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.09%
Rank 121 of 294
Net Interest Margin
2.63%
Rank 243 of 294
Efficiency Ratio
64.70%
Rank 155 of 294
Equity / Assets
8.78%
Rank 214 of 294
Non-interest income vs. expense
Unfavorable gap of $25.0M · efficiency ratio beats 48% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.71% | 1.01% | 1.33% | Beats 59% | 121 / 294 | | |
| Return on Equity | 12.47% | 7.12% | 10.17% | 13.39% | Beats 67% | 97 / 294 | | |
| Net Interest Margin | 2.63% | 2.80% | 3.21% | 3.64% | Beats 17% | 243 / 294 | | |
| Efficiency Ratio | 64.70% | 54.67% | 64.12% | 72.80% | Beats 48% | 155 / 294 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.17% | 0.37% | 0.77% | Beats 29% | 210 / 293 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.08% | Beats 31% | 202 / 293 | | |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 11.38% | 13.26% | 15.22% | Beats 13% | 257 / 294 | | |
| Total Risk-Based Capital Ratio | 11.04% | 12.19% | 14.15% | 16.19% | Beats 13% | 255 / 294 | | |
| Equity / Assets | 8.78% | 8.62% | 9.85% | 11.42% | Beats 27% | 214 / 294 | | |
| Liquidity & Funding |
| Loans / Deposits | 119.99% | 73.60% | 87.33% | 96.66% | 96th pctl | 11 / 294 | | |
| Loans / Assets | 83.98% | 64.16% | 72.85% | 80.20% | 88th pctl | 36 / 293 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |