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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