BanksG.W. JONES EXCHANGE BANK

G.W. JONES EXCHANGE BANK

MARCELLUS, MISmallEst. May 28, 1877, midnightFDIC #999RSSD #540542FED
Latest · 2025-12-31

G.W. JONES EXCHANGE BANK is an 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%. CET1 capital ratio: 38.37%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.54%. Operates 4 domestic branches.

Assets
$112M
Deposits
$101M
Loans
$25M
Equity
$10M

Profitability

Return on Assets (ROA)-0.20%
Return on Equity (ROE)-2.34%
Net Interest Margin4.75%
Yield on Assets5.39%
Cost of Funds0.64%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.54%
NPA Ratio0.05%
ACL / Loans1.04%

Capital & Liquidity

CET1 Ratio38.37%
Tier 1 Capital38.37%
Total Capital Ratio39.32%
Leverage Ratio9.60%
Loan-to-Deposit24.87%

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