G.W. JONES EXCHANGE BANK

MARCELLUS, MI | Small | Est. May 28, 1877, midnight | FDIC #999 | RSSD #540542 | FED
Latest Report: 2025-12-31

G.W. JONES EXCHANGE BANK is asn small FDIC-insured commercial bank headquartered in MARCELLUS, MI, established in May 28, 1877, midnight. As of 2025-12-31, the bank reported total assets of $112M and total deposits of $101M. Profitability stands at -0.20% ROA and -2.34% ROE, with a net interest margin of 4.75%. The bank's CET1 capital ratio is 38.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.54%. FDIC Certificate #999. The institution operates 1 domestic branch.

Assets

$112M

Deposits

$101M

Loans

$25M

Equity

$10M

Profitability

Return on Assets (ROA) -0.20%
Return on Equity (ROE) -2.34%
Net Interest Margin (NIM) 4.75%
Yield on Assets 5.39%
Cost of Funds 1.15%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.54%
NPA Ratio 0.05%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 38.37%
Tier 1 Capital 38.37%
Total Capital Ratio 39.32%
Leverage Ratio 9.60%
Loan-to-Deposit 24.87%

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