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Jarrettsville Federal Savings and Loan Association

Jarrettsville, MD · Cert 31083

SL · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jarrettsville Federal Savings and Loan Association

Jarrettsville, MD · Cert 31083

SL · OCC · 1 branch

Q2 2026

$167.1MAssets
$117.9MLoans
$147.1MDeposits
$19.3MEquity
Loan mix
93%RE $107.5M7%C&I $8.4M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $130.4M11%Noninterest $16.7MQ3 2024Q2 2026

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.1% share · #29 of 40 inst. · $0.1B of $106.1B

Executive Summary

  • Earnings: ROA of 0.21%, down 2 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.36% of loans (-30 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.20%, up 6 bps from a year ago.
  • Funding: loans stand at 80.12% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.21%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.47%+33 bps YoY

Efficiency Ratio (YTD, annualized)

84.61%-398 bps YoY

Tier 1 Leverage Ratio

12.20%+6 bps YoY

NIM

4.30%Q2 ’244.40%Q2 ’254.47%Q2 ’26-3%+15%

Non-interest income vs. expense

2.06%Q2 ’242.00%Q2 ’252.20%Q2 ’26-3%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.18%0.13%0.24%0.32%0.30%0.07%0.21%-2 bps
Return on Equity1.37%1.57%1.14%2.08%2.81%2.59%0.60%1.84%-24 bps
Net Interest Margin2.20%2.23%2.07%2.14%2.28%2.30%2.41%2.47%+33 bps
Efficiency Ratio88.65%87.68%95.32%88.60%85.14%85.31%89.30%84.61%-398 bps
Non-Interest Burden1.94%1.94%1.97%1.88%1.92%1.95%2.14%2.07%+19 bps
Growth
Asset Growth (YoY)5.59%7.84%5.27%4.64%4.71%2.22%1.57%2.12%-253 bps
Loan Growth (YoY)11.99%8.29%5.38%6.25%2.87%4.17%5.78%4.83%-142 bps
Deposit Growth (YoY)5.37%8.67%5.41%4.56%4.67%1.72%0.94%1.82%-273 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.31%0.47%0.67%0.50%0.60%0.47%0.36%-30 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.07%1.09%1.07%1.07%1.08%1.07%1.05%1.04%-3 bps
Allowance Coverage of NPLs5.9x3.6x2.3x1.6x2.2x1.8x2.2x2.9x+1.3x
Capital
Tier 1 Leverage Ratio12.69%12.71%12.24%12.14%12.31%12.29%12.29%12.20%+6 bps
Total Risk-Based Capital12.69%12.71%12.24%12.14%12.31%12.29%12.29%12.20%+6 bps
Equity / Assets11.85%11.26%11.35%11.44%11.72%11.67%11.63%11.57%+13 bps
Liquidity & Funding
Loans / Deposits79.31%75.61%76.32%77.82%77.94%77.44%79.99%80.12%+230 bps
Liquid Assets / Assets6.40%5.92%8.52%8.84%9.47%10.06%9.77%11.02%+217 bps
CRE / Total Capitaln/an/an/an/a159.88%158.76%168.91%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Jarrettsville Federal Savings and Loan Association

Jarrettsville, MD · Cert 31083 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SL · OCC · 1 branch

Q2 2026

$167.1MAssets
$117.9MLoans
$147.1MDeposits
$19.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets operating in a single state (rank 701 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.21%

Rank 691 of 746

Net Interest Margin

2.47%

Rank 701 of 746

Efficiency Ratio

84.61%

Rank 659 of 746

Equity / Assets

11.57%

Rank 268 of 746

Non-interest income vs. expense

$0.2M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state
Bank 84.61%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.21%0.72%1.06%1.45%Beats 7%691 / 746
Return on Equity1.83%6.74%10.51%13.63%Beats 8%687 / 746
Net Interest Margin2.47%3.17%3.68%4.16%Beats 6%701 / 746
Efficiency Ratio84.61%55.74%64.58%75.47%Beats 12%659 / 746
Asset Quality
Nonperforming Loans / Loans0.36%0.09%0.42%1.07%Beats 55%333 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio12.20%11.55%13.75%17.60%Beats 34%495 / 746
Total Risk-Based Capital Ratio12.20%11.71%14.33%18.43%Beats 30%522 / 746
Equity / Assets11.57%8.90%10.51%13.06%Beats 64%268 / 746
Liquidity & Funding
Loans / Deposits80.12%61.31%78.27%90.78%54th pctl342 / 746
Loans / Assets70.55%53.60%66.97%76.08%59th pctl309 / 746
Brokered Deposits / Depositsn/aNot reported for this institution