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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.64% | 0.99% | 1.86% | 0.75% | -0.20% | 0.28% | 1.52% | -34 bps | |
| Return on Equity | 6.69% | 7.56% | 12.70% | 22.70% | 8.74% | -2.34% | 3.13% | 16.84% | -585 bps | |
| Net Interest Margin | 2.44% | 3.96% | 2.68% | 3.76% | 3.36% | 4.44% | 2.44% | 3.77% | +2 bps | |
| Efficiency Ratio | 83.21% | 80.65% | 75.30% | 58.11% | 74.15% | 101.50% | 91.31% | 64.38% | +627 bps | |
| Non-Interest Burden | 1.81% | 2.98% | 1.69% | 1.84% | 2.23% | 4.52% | 2.15% | 2.13% | +28 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 | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 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 | |