JARRETTSVILLE FEDERAL SAVINGS AND LOAN ASSOCIATION

JARRETTSVILLE, MD | Small | Est. Jan. 1, 1876, midnight | FDIC #31083 | RSSD #613978 | OCC
Latest Report: 2025-12-31

JARRETTSVILLE FEDERAL SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in JARRETTSVILLE, MD, established in Jan. 1, 1876, midnight. As of 2025-12-31, the bank reported total assets of $165M and total deposits of $145M. Profitability stands at 0.23% ROA and 1.94% ROE, with a net interest margin of 2.67%. The bank's CET1 capital ratio is 11.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 1.52%. FDIC Certificate #31083.

Assets

$165M

Deposits

$145M

Loans

$112M

Equity

$19M

Profitability

Return on Assets (ROA) 0.23%
Return on Equity (ROE) 1.94%
Net Interest Margin (NIM) 2.67%
Yield on Assets 4.98%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio --
Texas Ratio 1.52%
NPA Ratio 0.19%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 11.67%
Tier 1 Capital 11.67%
Total Capital Ratio 12.25%
Leverage Ratio 12.29%
Loan-to-Deposit 77.44%

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