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
Unfavorable gap of $3.5M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.72% | 1.06% | 1.45% | Beats 7% | 691 / 746 | |
| Return on Equity | 1.83% | 6.74% | 10.51% | 13.63% | Beats 8% | 687 / 746 | |
| Net Interest Margin | 2.47% | 3.17% | 3.68% | 4.16% | Beats 6% | 701 / 746 | |
| Efficiency Ratio | 84.61% | 55.74% | 64.58% | 75.47% | Beats 12% | 659 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 55% | 333 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.20% | 11.55% | 13.75% | 17.60% | Beats 34% | 495 / 746 | |
| Total Risk-Based Capital Ratio | 12.20% | 11.71% | 14.33% | 18.43% | Beats 30% | 522 / 746 | |
| Equity / Assets | 11.57% | 8.90% | 10.51% | 13.06% | Beats 64% | 268 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 80.12% | 61.31% | 78.27% | 90.78% | 54th pctl | 342 / 746 | |
| Loans / Assets | 70.55% | 53.60% | 66.97% | 76.08% | 59th pctl | 309 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |