G.W. Jones Exchange Bank
Marcellus, MI · Cert 999 · Peer group: banks under $1B in assets (n=570-617) · 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 160 of 570).
- Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets (rank 472 of 570).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.84%
Rank 387 of 617
Net Interest Margin
3.11%
Rank 446 of 617
Efficiency Ratio
75.48%
Rank 419 of 617
Equity / Assets
8.69%
Rank 494 of 617
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 32% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.60% | 1.01% | 1.45% | Beats 37% | 387 / 617 | |
| Return on Equity | 9.67% | 5.30% | 9.43% | 13.30% | Beats 52% | 299 / 617 | |
| Net Interest Margin | 3.11% | 3.04% | 3.54% | 4.05% | Beats 28% | 446 / 617 | |
| Efficiency Ratio | 75.48% | 58.03% | 67.76% | 79.08% | Beats 32% | 419 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.64% | 0.09% | 0.47% | 1.27% | Beats 17% | 472 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 42.43% | 11.18% | 13.83% | 18.55% | Beats 90% | 60 / 617 | |
| Total Risk-Based Capital Ratio | 43.40% | 11.56% | 14.39% | 19.39% | Beats 90% | 60 / 617 | |
| Equity / Assets | 8.69% | 9.03% | 10.55% | 13.63% | Beats 20% | 494 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 22.32% | 64.77% | 79.70% | 93.06% | 3rd pctl | 565 / 582 | |
| Loans / Assets | 20.17% | 51.70% | 67.18% | 77.51% | 9th pctl | 562 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |