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 | |