G.W. Jones Exchange Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 4.60 percentage points in Q2 2026, from 43.98% to 48.59%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, G.W. Jones Exchange Bank is 62nd of 72 on total deposits, $110.9M as of Q2 2026, below the middle of the field. Against a median of $277.3M for banks in the $100M-1B asset tier, G.W. Jones Exchange Bank reported $110.9M on total deposits in Q2 2026, 60% lower.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $110.9M |
| Domestic office deposits | $110.9M |
| Foreign office deposits | — |
| Deposits to total assets | 90.37% |
| Deposits to total liabilities | 98.97% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $53.9M |
| Savings deposits | $21.6M |
| Transaction accounts to domestic deposits | 71.82% |
| Time deposits | $8K |
| Time deposits under $100k | $6.7M |
| Time deposits $100k to $250k | $1.7M |
| Time deposits over $250k | $683K |
| Noninterest-bearing share of deposits | 48.59% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $110.3M |
| Core deposits to total deposits | 99.38% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.23% |
| Interest expense on deposits | $172K |
| Loans and leases to core deposits | 22.46% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $115.5M | 97.92% | 0.00% | 1.97% |
| Q4 2023 | $117.8M | 99.21% | 0.00% | 2.06% |
| Q1 2024 | $115.0M | 99.44% | 0.00% | 2.11% |
| Q2 2024 | $91.5M | 99.29% | 0.00% | 1.99% |
| Q3 2024 | $93.3M | 99.30% | 0.00% | 1.72% |
| Q4 2024 | $98.1M | 99.33% | 0.00% | 1.44% |
| Q1 2025 | $99.6M | 99.33% | 0.00% | 1.24% |
| Q2 2025 | $98.4M | 99.32% | 0.00% | 1.22% |
| Q3 2025 | $100.5M | 99.33% | 0.00% | 1.25% |
| Q4 2025 | $100.9M | 99.33% | 0.00% | 1.13% |
| Q1 2026 | $97.2M | 99.31% | 0.00% | 1.12% |
| Q2 2026 | $110.9M | 99.38% | 0.00% | 1.23% |
G.W. Jones Exchange Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock G.W. Jones Exchange Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full G.W. Jones Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 999) · FFIEC NIC profile (RSSD 540542)