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G.W. Jones Exchange Bank

Marcellus, MI · Cert 999 · Jones Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

32

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

G.W. Jones Exchange Bank

Marcellus, MI · Cert 999 · Jones Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$122.8MAssets
$24.8MLoans
$110.9MDeposits
$10.7MEquity
Loan mix
92%RE $22.3M2%C&I $0.6M6%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
51%Interest-bearing $57.0M49%Noninterest $53.9MQ2 2025Q2 2026

NIM

3.51%Q2 ’243.81%Q2 ’253.71%Q2 ’26+15%-3%

Non-interest income vs. expense

2.74%Q2 ’242.81%Q2 ’252.97%Q2 ’260%+22%

Market Position · South Bend-Mishawaka, IN-MI · 2026 SOD (annual) · 1.8% share · #11 of 17 inst. · $0.1B of $6.2B

Executive Summary

  • Earnings: ROA of 0.90%, down 53 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 1.64% of loans (+164 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.36%, up 224 bps from a year ago.
  • Funding: loans stand at 22.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-10 bps YoY

Efficiency Ratio (YTD, annualized)

75.48%+941 bps YoY

Tier 1 Leverage Ratio

10.36%+224 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.20%0.84%0.28%0.90%-53 bps
Return on Equity17.86%14.64%10.14%3.13%10.11%-775 bps
Net Interest Margin3.20%3.26%3.56%2.44%3.11%-10 bps
Efficiency Ratio66.07%68.81%78.37%91.31%75.48%+941 bps
Non-Interest Burden1.76%1.92%2.57%2.15%2.14%+38 bps
Growth
Asset Growth (YoY)7.32%7.11%4.05%-1.37%13.18%+586 bps
Loan Growth (YoY)-2.76%-3.21%-0.36%-0.96%3.09%+586 bps
Deposit Growth (YoY)7.50%7.73%2.87%-2.48%12.76%+525 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.12%1.64%+164 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans1.09%1.06%1.04%1.07%1.06%-3 bps
Allowance Coverage of NPLsn/an/an/a9.0x0.6xn/a
Capital
Tier 1 Leverage Ratio8.12%9.35%9.60%9.85%10.36%+224 bps
Total Risk-Based Capital34.82%39.50%39.32%40.63%43.40%+858 bps
Equity / Assets8.44%8.73%8.78%9.39%8.69%+25 bps
Liquidity & Funding
Loans / Deposits24.42%24.62%24.87%25.16%22.32%-209 bps
Liquid Assets / Assets48.44%47.14%45.84%44.05%47.60%-84 bps
CRE / Total Capitaln/a95.07%92.75%83.36%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

G.W. Jones Exchange Bank

Marcellus, MI · Cert 999 · Peer group: banks under $1B in assets (n=581-629) · Jones Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$122.8MAssets
$24.8MLoans
$110.9MDeposits
$10.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets (rank 485 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.84%

Rank 399 of 629

Net Interest Margin

3.11%

Rank 452 of 629

Efficiency Ratio

75.48%

Rank 428 of 629

Equity / Assets

8.69%

Rank 504 of 629

Non-interest income vs. expense

$0.9M$3.3MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 32% of banks under $1B in assets
Bank 75.48%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.60%1.01%1.45%Beats 37%399 / 629
Return on Equity9.67%5.38%9.30%13.28%Beats 52%303 / 629
Net Interest Margin3.11%3.03%3.54%4.05%Beats 28%452 / 629
Efficiency Ratio75.48%58.35%67.79%79.08%Beats 32%428 / 629
Asset Quality
Nonperforming Loans / Loans1.64%0.09%0.46%1.20%Beats 17%485 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio42.43%11.24%13.84%18.77%Beats 90%65 / 629
Total Risk-Based Capital Ratio43.40%11.58%14.43%19.66%Beats 90%65 / 629
Equity / Assets8.69%9.09%10.65%13.80%Beats 20%504 / 629
Liquidity & Funding
Loans / Deposits22.32%67.24%80.90%93.48%3rd pctl577 / 594
Loans / Assets20.17%53.31%67.71%78.15%9th pctl574 / 629
Brokered Deposits / Depositsn/aNot reported for this institution