G.W. Jones Exchange Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 4.78 percentage points lower than in Q1 2026, at 42.56%. Within Michigan, G.W. Jones Exchange Bank is 20th of 72 on return on assets, 1.58% as of Q2 2026, above the middle of the field. G.W. Jones Exchange Bank reported 1.58% on return on assets for Q2 2026, 0.33 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 42.43% |
| Tier 1 risk-based capital ratio | 42.43% |
| Total risk-based capital ratio | 43.40% |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 8.69% |
| Tangible equity to tangible assets | 8.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.15% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 903.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 16.84% |
| Net interest margin | 4.10% |
| Efficiency ratio | 62.53% |
| Yield on earning assets | 4.76% |
| Cost of funds | 0.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 22.32% |
| Core deposits to total deposits | 99.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.37% |
| Securities to assets | 42.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 34.64% | 34.64% | 35.59% | 7.91% | 0.93% |
| Q4 2023 | 33.16% | 33.16% | 34.06% | 7.97% | 0.36% |
| Q1 2024 | 35.72% | 35.72% | 36.66% | 7.96% | 0.96% |
| Q2 2024 | 36.53% | 36.53% | 37.48% | 8.45% | 0.64% |
| Q3 2024 | 37.11% | 37.11% | 38.04% | 9.05% | 0.54% |
| Q4 2024 | 32.27% | 32.27% | 33.18% | 8.31% | 0.60% |
| Q1 2025 | 29.73% | 29.73% | 30.66% | 7.73% | 0.98% |
| Q2 2025 | 33.83% | 33.83% | 34.82% | 8.12% | 1.84% |
| Q3 2025 | 38.51% | 38.51% | 39.50% | 9.35% | 0.75% |
| Q4 2025 | 38.37% | 38.37% | 39.32% | 9.60% | -0.21% |
| Q1 2026 | 39.67% | 39.67% | 40.63% | 9.85% | 0.28% |
| Q2 2026 | 42.43% | 42.43% | 43.40% | 10.36% | 1.58% |
G.W. Jones Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock G.W. Jones Exchange Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)