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Jersey Shore State Bank

Jersey Shore, PA · Cert 14359

FDIC · 17 branches

Q2 2025

$1.6BAssets
$1.4BLoans
$1.1BDeposits
$141.8MEquity
Loan mix
76%RE $813.1M8%C&I $86.1M16%Consumer $169.1MQ3 2023Q2 2025
Deposit mix
74%Interest-bearing $839.0M26%Noninterest $291.8MQ3 2023Q2 2025

Market Position · Williamsport, PA · 2025 SOD (annual) · 21.5% share · #1 of 11 inst. · $0.7B of $3.1B

21.5% Lycoming
4.0% Centre
23.3% Clinton
15.1% Montour

Executive Summary

  • Earnings: ROA of 0.67%, down 29 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.70% of loans (+23 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.84%, up 38 bps from a year ago.
  • Funding: loans stand at 119.99% of deposits as of Q2 2025.

Return on Assets (quarter, annualized)

0.67%-29 bps YoY

Net Interest Margin (quarter, annualized)

2.62%+26 bps YoY

Efficiency Ratio (quarter, annualized)

62.80%-590 bps YoY

Tier 1 Leverage Ratio

8.84%+38 bps YoY

NIM

4.13%Q2 ’234.81%Q2 ’245.02%Q2 ’25+2%+11%

Non-interest income vs. expense

1.95%Q2 ’231.86%Q2 ’241.91%Q2 ’25-3%-1%

Discrete quarter, annualized.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.32%0.89%0.74%0.96%0.77%0.66%1.53%0.67%-29 bps
Return on Equity4.32%11.68%9.35%11.94%9.42%7.89%17.95%7.68%-425 bps
Net Interest Margin2.19%2.21%2.24%2.35%2.42%2.49%2.64%2.62%+26 bps
Efficiency Ratio74.31%71.02%69.45%68.70%63.30%68.38%66.56%62.80%-590 bps
Non-Interest Burden1.53%1.44%1.41%1.50%1.37%1.55%1.62%1.48%-2 bps
Growth
Asset Growth (YoY)12.70%9.21%5.09%3.29%2.85%0.67%1.84%1.18%-211 bps
Loan Growth (YoY)14.83%10.71%7.00%4.30%2.67%1.87%2.62%1.78%-252 bps
Deposit Growth (YoY)-4.88%-0.62%-7.38%1.52%6.20%3.87%5.29%2.29%+76 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.18%0.56%0.47%0.54%0.58%0.63%0.70%+23 bps
Net Charge-Offs / Loans0.02%-0.11%0.04%-0.13%0.05%0.03%-0.31%0.08%+22 bps
Allowance / Loans0.80%0.73%0.72%0.67%0.69%0.72%0.57%0.60%-7 bps
Allowance Coverage of NPLs4.8x4.1x1.3x1.4x1.3x1.2x0.9x0.9x-0.6x
Capital
Tier 1 Leverage Ratio8.00%8.34%8.36%8.46%8.51%8.57%8.75%8.84%+38 bps
Total Risk-Based Capital10.28%10.70%10.69%10.62%10.75%10.85%10.90%11.04%+41 bps
Equity / Assets7.28%7.91%8.01%8.03%8.25%8.41%8.68%8.78%+75 bps
Liquidity & Funding
Loans / Deposits122.47%119.47%119.82%120.59%118.40%117.16%116.78%119.99%-60 bps
Liquid Assets / Assets0.21%0.24%0.26%0.27%0.31%0.20%0.30%0.29%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a