JERSEY STATE BANK

JERSEYVILLE, IL | Small | Est. Jan. 28, 1903, midnight | FDIC #12384 | RSSD #482446 | FDIC
Latest Report: 2025-12-31

JERSEY STATE BANK is asn small FDIC-insured commercial bank headquartered in JERSEYVILLE, IL, established in Jan. 28, 1903, midnight. As of 2025-12-31, the bank reported total assets of $198M and total deposits of $176M. Profitability stands at 0.82% ROA and 7.82% ROE, with a net interest margin of 3.04%. The bank's CET1 capital ratio is 10.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 1.08%. FDIC Certificate #12384.

Assets

$198M

Deposits

$176M

Loans

$93M

Equity

$21M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 7.82%
Net Interest Margin (NIM) 3.04%
Yield on Assets 4.79%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio -0.09%
Texas Ratio 1.08%
NPA Ratio 0.12%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 10.37%
Tier 1 Capital 10.37%
Total Capital Ratio 10.89%
Leverage Ratio 11.88%
Loan-to-Deposit 53.01%

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