BlastPoint's Banking Scorecard
Jarrettsville Federal Savings and Loan Association
Jarrettsville, MD
Jarrettsville Federal Savings and Loan Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.0% in tier
- - Credit Quality Pressure: Bottom 20.1% in tier
- - Efficiency Drag: Bottom 42.5% in tier
- - Return on Assets 1.20% below tier average
- - Net Interest Margin 1.42% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$165.2M
+1.6% YoY
+0.3% QoQ
|
-$220.8M |
$386.1M
+0.5% YoY
|
$1.8B
+4.9% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$114.9M
+5.8% YoY
+3.4% QoQ
|
-$140.8M |
$255.7M
+1.1% YoY
|
$1.3B
+7.3% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$145.2M
+0.9% YoY
+0.1% QoQ
|
-$182.8M |
$328.0M
+0.1% YoY
|
$1.6B
+7.4% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.07%
-45.3% YoY
-76.4% QoQ
|
-1.20% |
1.27%
+12.9% YoY
|
0.90%
+4.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.2% in tier |
| Net Interest Margin ? |
2.51%
+15.8% YoY
+3.4% QoQ
|
-1.42% |
3.93%
+6.0% YoY
|
3.69%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio ? |
89.30%
-6.3% YoY
+4.7% QoQ
|
+24.01% |
65.29%
-4.5% YoY
|
68.69%
-3.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate ? |
0.48%
+1.3% YoY
-21.0% QoQ
|
-0.41% |
0.89%
+18.8% YoY
|
1.00%
+1.9% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
79.14%
+4.8% YoY
+3.3% QoQ
|
+2.51% |
76.64%
+0.8% YoY
|
87.36%
+2.8% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
11.11%
+0.4% YoY
+1.6% QoQ
|
-10.91% |
22.02%
-1.0% YoY
|
20.21%
-0.6% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.2% in tier |
| Nonperforming Asset Ratio ? |
0.33%
+5.6% YoY
-18.5% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.86%
+7.2% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
12.29%
+0.4% YoY
+0.0% QoQ
|
-3.54% |
15.83%
+1.5% YoY
|
16.27%
-0.9% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.02%
+9.7% YoY
-77.0% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.12%
-21.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.3% in tier |
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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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.