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G. W. Jones Exchange Bank

$100M-$1B Specialty: Other MI FDIC cert 999

Marcellus, MI

4 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI
View $100M-$1B leaderboard (MI) →

G. W. Jones Exchange Bank has 2 strengths but faces 6 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

  • + Non-Interest-Bearing Deposit Share 21.96% above tier average
  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 0.2% in tier
  • - Efficiency Drag: Bottom 6.5% in tier
  • - Deposit Outflow: Bottom 8.5% in tier
  • - Credit Quality Pressure: Bottom 19.3% in tier
  • - Return on Assets 0.98% below tier average
  • - Net Interest Margin 1.35% below tier average
Get updates when G. W. Jones Exchange Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $107.9M
-1.4% YoY -3.4% QoQ
-$278.2M $386.1M
+0.5% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
Bottom 2.4% in tier
Total Loans ? $24.2M
-1.0% YoY -2.6% QoQ
-$231.5M $255.7M
+1.1% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
Bottom 0.8% in tier
Total Deposits ? $97.2M
-2.5% YoY -3.7% QoQ
-$230.8M $328.0M
+0.1% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
Bottom 4.7% in tier
Return on Assets ? 0.28%
-71.3% YoY -66.3% QoQ
-0.98% 1.27%
+12.9% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
Bottom 7.6% in tier
Net Interest Margin ? 2.58%
-9.4% YoY -31.4% QoQ
-1.35% 3.93%
+6.0% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
Bottom 3.8% in tier
Efficiency Ratio ? 91.31%
+21.3% YoY +16.5% QoQ
+26.03% 65.29%
-4.5% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
Bottom 5.6% in tier
Delinquency Rate ? 0.12% -0.77% 0.89%
+18.8% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
72%
Loan-to-Deposit Ratio ? 24.89%
+1.6% YoY +1.1% QoQ
-51.75% 76.64%
+0.8% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
Top 1.2% in tier
Non-Interest-Bearing Deposit Share ? 43.98%
-6.9% YoY -0.2% QoQ
+21.96% 22.02%
-1.0% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
Top 3.0% in tier
Nonperforming Asset Ratio ? 0.07%
+33.0% YoY +53.4% QoQ
-0.56% 0.64%
+19.7% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
74%
Tier 1 Capital Ratio ? 39.67%
+33.4% YoY +3.4% QoQ
+23.84% 15.83%
+1.5% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
Top 1.7% in tier
Non-Interest Income / Assets ? 0.21%
-36.2% YoY -79.0% QoQ
-0.07% 0.28%
+9.3% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
Top 12.7% in tier

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 (4)

Flatlined Growth

risk
#2 of 512 • Bottom 0.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.28%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Efficiency Drag

risk
#28 of 414 • Bottom 6.5% in tier

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

Why this signature
Efficiency Ratio: 91.31%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable

Deposit Outflow

decline
#44 of 506 • Bottom 8.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

Credit Quality Pressure

risk
#253 of 1308 • Bottom 19.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

32
Loan-to-Deposit Ratio
liquidity
Value: 24.89%
Peer Median: 76.64%
#32 of 2664 Top 1.2% in $100M-$1B
45
Tier 1 Capital Ratio
capital
Value: 39.67%
Peer Median: 15.83%
#45 of 2664 Top 1.7% in $100M-$1B
82
Non-Interest-Bearing Deposit Share
funding
Value: 43.98%
Peer Median: 22.02%
#82 of 2664 Top 3.0% in $100M-$1B
339
Non-Interest Income / Assets
revenue_mix
Value: 0.21%
Peer Median: 0.28%
#339 of 2664 Top 12.7% in $100M-$1B

Top Weaknesses (6 metrics)

2645
Total Loans
size
Value: $24.19M
Peer Median: $255.72M
#2645 of 2664 Bottom 0.8% in $100M-$1B
2601
Total Assets
size
Value: $107.88M
Peer Median: $386.08M
#2601 of 2664 Bottom 2.4% in $100M-$1B
2564
Net Interest Margin
profitability
Value: 2.58%
Peer Median: 3.93%
#2564 of 2664 Bottom 3.8% in $100M-$1B
2540
Total Deposits
size
Value: $97.17M
Peer Median: $327.97M
#2540 of 2664 Bottom 4.7% in $100M-$1B
2515
Efficiency Ratio
profitability
Value: 91.31%
Peer Median: 65.29%
#2515 of 2664 Bottom 5.6% in $100M-$1B
2463
Return on Assets
profitability
Value: 0.28%
Peer Median: 1.27%
#2463 of 2664 Bottom 7.6% in $100M-$1B
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