BanksJERSEY STATE BANK

JERSEY STATE BANK

JERSEYVILLE, ILSmallEst. Jan. 28, 1903, midnightFDIC #12384RSSD #482446FDIC
Latest · 2025-12-31

JERSEY STATE BANK is an 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%. CET1 capital ratio: 10.37%, well above regulatory minimums. NPL ratio: 0.25% · Texas Ratio: 1.08%. Operates 2 domestic branches.

Assets
$198M
Deposits
$176M
Loans
$93M
Equity
$21M

Profitability

Return on Assets (ROA)0.82%
Return on Equity (ROE)7.82%
Net Interest Margin3.04%
Yield on Assets4.79%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.25%
Net Charge-Off Ratio-0.09%
Texas Ratio1.08%
NPA Ratio0.12%
ACL / Loans1.50%

Capital & Liquidity

CET1 Ratio10.37%
Tier 1 Capital10.37%
Total Capital Ratio10.89%
Leverage Ratio11.88%
Loan-to-Deposit53.01%

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