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Jarrettsville Federal Savings and Loan Association

$100M-$1B Specialty: Commercial MD FDIC cert 31083

Jarrettsville, MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
  • Deposits +1.8% year over year ($147.1M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 0.21%.
  • Efficiency ratio 84.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

Jarrettsville Federal Savings and Loan Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 29.4% in tier
  • - Return on Assets 1.11% below tier average
  • - Net Interest Margin 1.38% below tier average
  • - Non-Interest Income / Assets 0.50% below tier average
Get updates when Jarrettsville Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $167.1M
+2.1% YoY +1.1% QoQ
-$219.5M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $116.7M
+4.9% YoY +1.5% QoQ
-$141.7M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $147.1M
+1.8% YoY +1.3% QoQ
-$179.6M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 0.21%
-9.6% YoY +203.9% QoQ
-1.11% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
Bottom 5.8% in tier
Net Interest Margin ? 2.60%
+15.2% YoY +3.6% QoQ
-1.38% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
Bottom 3.7% in tier
Efficiency Ratio ? 84.61%
-4.5% YoY -5.2% QoQ
+20.13% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
Bottom 9.4% in tier
Delinquency Rate ? 0.37%
-45.6% YoY -23.4% QoQ
-0.55% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 79.29%
+3.0% YoY +0.2% QoQ
+1.33% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 11.38%
+7.6% YoY +2.4% QoQ
-10.65% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
Bottom 13.4% in tier
Nonperforming Asset Ratio ? 0.26%
-44.2% YoY -23.1% QoQ
-0.41% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 12.20%
+0.5% YoY -0.7% QoQ
-3.70% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.07%
+19.6% YoY +194.2% QoQ
-0.50% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
Bottom 9.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Noninterest-Bearing 11.4%
+0.8pp YoY
+0.3pp QoQ
 -10.8pp 22.1% 21.3% 22.2% 13%
Brokered Deposits n/a n/a 7.9% 10.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 6.8%
+0.6pp YoY
-0.5pp QoQ
 -4.7pp 11.6% 8.9% 12.5% 32%
CRE 30.6%
+1.6pp YoY
+0.6pp QoQ
 -9.0pp 39.5% 50.0% 41.4% 36%
1-4 Family 60.6%
-2.2pp YoY
-0.3pp QoQ
 +28.0pp 32.6% 37.9% 31.3% 90%
Consumer 0.2%
+0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 3.2% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.4% 19.7% n/a
Leverage Ratio 12.2%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 12.2% 13.0% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 14
0 YoY
0 QoQ
 -45 58 170 482 3%
Assets per Employee ($) $11.9M
+2.1% YoY
+1.1% QoQ
 +$4.4M $7.5M $9.4M $8.8M 92%
Branch Count 1
0 YoY
0 QoQ
 -4 4 9 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 50%
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.1% 1.0% 36%
Allowance Coverage 2.87x
+79.1% YoY
+28.6% QoQ
 -21.28x 24.15x 46.66x 20.23x 57%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 1.8%
-0.2pp YoY
+1.2pp QoQ
 -10.4pp 12.2% 8.0% 11.6% 6%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.9% 1.7% 77%
Net Income ($, YTD) $177,000
-7.8% YoY
— QoQ
 -$2.4M $2.6M $8.4M $40.4M 5%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk
#107 of 361 • Bottom 29.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.61%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2547
Net Interest Margin
profitability
Value: 2.60%
Peer Median: 3.99%
#2547 of 2643 Bottom 3.7% in $100M-$1B
2492
Return on Assets
profitability
Value: 0.21%
Peer Median: 1.32%
#2492 of 2643 Bottom 5.8% in $100M-$1B
2395
Efficiency Ratio
profitability
Value: 84.61%
Peer Median: 64.48%
#2395 of 2643 Bottom 9.4% in $100M-$1B
2386
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2386 of 2643 Bottom 9.8% in $100M-$1B
2289
Non-Interest-Bearing Deposit Share
funding
Value: 11.38%
Peer Median: 22.03%
#2289 of 2643 Bottom 13.4% in $100M-$1B
2153
Total Assets
size
Value: $167.09M
Peer Median: $386.57M
#2153 of 2643 Bottom 18.6% in $100M-$1B
2096
Total Deposits
size
Value: $147.13M
Peer Median: $326.73M
#2096 of 2643 Bottom 20.7% in $100M-$1B
2000
Total Loans
size
Value: $116.65M
Peer Median: $258.35M
#2000 of 2643 Bottom 24.4% in $100M-$1B
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