Marcellus, MI · Cert 999 · Jones Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
67
Asset Quality
59
Profitability
39
Liquidity
0
Efficiency
32
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.
Marcellus, MI · Cert 999 · Jones Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · South Bend-Mishawaka, IN-MI · 2026 SOD (annual) · 1.8% share · #11 of 17 inst. · $0.1B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.73% | 0.99% | 1.43% | 1.20% | 0.84% | 0.28% | 0.90% | -53 bps | |
| Return on Equity | 9.70% | 9.33% | 12.70% | 17.86% | 14.64% | 10.14% | 3.13% | 10.11% | -775 bps | |
| Net Interest Margin | 2.76% | 3.11% | 2.68% | 3.20% | 3.26% | 3.56% | 2.44% | 3.11% | -10 bps | |
| Efficiency Ratio | 76.08% | 77.44% | 75.30% | 66.07% | 68.81% | 78.37% | 91.31% | 75.48% | +941 bps | |
| Non-Interest Burden | 1.83% | 2.16% | 1.69% | 1.76% | 1.92% | 2.57% | 2.15% | 2.14% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.39% | -15.44% | -12.02% | 7.32% | 7.11% | 4.05% | -1.37% | 13.18% | +586 bps | |
| Loan Growth (YoY) | 3.94% | 0.18% | -0.71% | -2.76% | -3.21% | -0.36% | -0.96% | 3.09% | +586 bps | |
| Deposit Growth (YoY) | -19.24% | -16.74% | -13.34% | 7.50% | 7.73% | 2.87% | -2.48% | 12.76% | +525 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 1.64% | +164 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.03% | 1.04% | 1.07% | 1.09% | 1.06% | 1.04% | 1.07% | 1.06% | -3 bps | |
| Allowance Coverage of NPLs | n/a | 5.5x | n/a | n/a | n/a | n/a | 9.0x | 0.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.05% | 8.31% | 7.73% | 8.12% | 9.35% | 9.60% | 9.85% | 10.36% | +224 bps | |
| Total Risk-Based Capital | 38.04% | 33.18% | 30.66% | 34.82% | 39.50% | 39.32% | 40.63% | 43.40% | +858 bps | |
| Equity / Assets | 9.38% | 7.60% | 7.97% | 8.44% | 8.73% | 8.78% | 9.39% | 8.69% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 27.41% | 25.67% | 24.77% | 24.42% | 24.62% | 24.87% | 25.16% | 22.32% | -209 bps | |
| Liquid Assets / Assets | 48.19% | 51.33% | 50.20% | 48.44% | 47.14% | 45.84% | 44.05% | 47.60% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 95.07% | 92.75% | 83.36% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.60% | 1.01% | 1.45% | Beats 37% | 399 / 629 | ||
| Return on Equity | 9.67% | 5.38% | 9.30% | 13.28% | Beats 52% | 303 / 629 | ||
| Net Interest Margin | 3.11% | 3.03% | 3.54% | 4.05% | Beats 28% | 452 / 629 | ||
| Efficiency Ratio | 75.48% | 58.35% | 67.79% | 79.08% | Beats 32% | 428 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.64% | 0.09% | 0.46% | 1.20% | Beats 17% | 485 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 42.43% | 11.24% | 13.84% | 18.77% | Beats 90% | 65 / 629 | ||
| Total Risk-Based Capital Ratio | 43.40% | 11.58% | 14.43% | 19.66% | Beats 90% | 65 / 629 | ||
| Equity / Assets | 8.69% | 9.09% | 10.65% | 13.80% | Beats 20% | 504 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 22.32% | 67.24% | 80.90% | 93.48% | 3rd pctl | 577 / 594 | ||
| Loans / Assets | 20.17% | 53.31% | 67.71% | 78.15% | 9th pctl | 574 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||