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
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 | 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 |