G.W. Jones Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks G.W. Jones Exchange Bank of Marcellus, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.58% | 1.34% | +0.24% | 68th above |
| ROAE | 16.84% | 13.31% | +3.53% | 75th top |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 59th above |
| Efficiency Ratio | 62.53% | 61.14% | +1.39% | 47th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.65% | 1.68% | -0.03% | 54th above |
| Yield on Earning Assets | 4.76% | 5.67% | -0.91% | 15th bottom |
| Cost of Funds | 0.67% | 1.88% | -1.21% | 97th top |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 75th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 903.45% | 1538.76% | -635.31% | 81st top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.15% | 7.33% | -3.18% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 42.43% | 19.50% | +22.93% | 97th top |
| Tier 1 Ratio | 42.43% | 19.53% | +22.90% | 97th top |
| Total Capital Ratio | 43.40% | 20.62% | +22.78% | 97th top |
| Leverage Ratio | 10.36% | 12.14% | -1.78% | 39th below |
| Equity / Assets | 8.69% | 11.37% | -2.68% | 22nd bottom |
| TCE / Tangible Assets | 8.69% | 11.09% | -2.40% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 22.32% | 80.64% | -58.32% | 99th top |
| Core Deposit Ratio | 99.38% | 86.86% | +12.52% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.18% | 6.85% | +6.33% | 89th top |
| Loan Growth (Y/Y) | 3.09% | 7.90% | -4.81% | 37th below |
| Deposit Growth (Y/Y) | 12.76% | 6.29% | +6.47% | 88th top |
See G.W. Jones Exchange Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock G.W. Jones Exchange Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full G.W. Jones Exchange Bank profile, how to read a UBPR, or how this data updates.