Jarrettsville Federal Savings and Loan Association
Jarrettsville Federal Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Jarrettsville, MD, supervised by the OCC, with $167.1M in total assets at Q2 2026, up 2.1% from Q2 2025, the 24th largest of 27 banks headquartered in Maryland. It was established in 1876 and holds FDIC certificate 31083. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31083
- Headquarters
- Jarrettsville, MD
- Established
- 1876
- Total assets, Q2 2026
- $167.1M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 12.20%
- Domestic offices
- 1 · Jarrettsville Federal Savings and Loan Association branches FDIC institution directory, current count
- Routing number
- 255072252
- Safety and soundness
- Is Jarrettsville Federal Savings and Loan Association safe?
- Latest call report
- Q2 2026, FFIEC 051 · Jarrettsville Federal Savings and Loan Association Q3 2026 call report, filed October 28, 2026 (preliminary)
- Asset rank in state
- 24th of 27 in Maryland
Jarrettsville Federal Savings and Loan Association spends more to run itself than most banks of its size. The Jarrettsville, Maryland bank had $167 million in assets at June 30, 2026, up 2.1% from a year earlier. It earns about $0.35 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 2.63 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.36% of loans from 0.67%. Loans are outrunning deposits: over the year loans rose 4.8% and deposits rose 1.8%. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Jarrettsville Federal Savings and Loan Association reported a return on assets of 0.35%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.08%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Jarrettsville Federal Savings and Loan Association is the 24th largest of the 27 banks headquartered in Maryland. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $167.1M, loans rose 1.5% and deposits rose 1.3%. 1-4 family residential loans made up 60.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.3%. Its one office in the FDIC Summary of Deposits is in Jarrettsville, MD. On its Q2 2026 call report, Jarrettsville Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3706 Norrisville Rd, Jarrettsville, MD 21084
- County
- Harford
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1876
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $147.1M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $168.1M
- Average total loans
- $117.4M
- Average interest-bearing deposits
- $130.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31083
- Fed RSSD
- 613978
- Website
- www.jarrettsvillefederal.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Jarrettsville Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Jarrettsville Federal Savings and Loan Association's total assets ranged from $146.9M (Q3 2023) to $167.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$167.1M total assets against $163.6M; $147.8M total liabilities against $144.9M.
$116.7M net loans and leases against $111.2M; $147.1M total deposits against $144.5M.
$17.3M securities against $17.6M; $29.6M cash and balances due against $31.9M.
$1.9M total interest income against $1.9M; $841K total interest expense against $930K.
$1.1M net interest income against $923K.
$77K total noninterest income against $60K; $927K total noninterest expense against $812K.
$15K provision for credit losses against $20K.
$148K net income against $140K.
0.35% return on assets against 0.34%; 2.63% net interest margin against 2.31%.
12.20% tier 1 leverage ratio against 12.14%.
Inside the full Jarrettsville Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJarrettsville Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 2,236 of 3,640, for Texas Ratio; its furthest is 3,366 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.07% (Q1 2026) to 0.49% (Q3 2025) and its net interest margin ran from 2.17% (Q1 2025) to 2.63% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.20% | 0.35% | 0.36% | 2.08% | 2.63% |
| Q1 2026 | 12.29% | 0.07% | 0.47% | 2.69% | 2.47% |
| Q4 2025 | 12.29% | 0.22% | 0.60% | 3.29% | 2.50% |
| Q3 2025 | 12.31% | 0.49% | 0.50% | 2.74% | 2.61% |
| Q2 2025 | 12.14% | 0.34% | 0.67% | 3.76% | 2.31% |
| Q1 2025 | 12.24% | 0.13% | 0.47% | 2.61% | 2.17% |
| Q4 2024 | 12.71% | 0.25% | 0.31% | 1.71% | 2.40% |
| Q3 2024 | 12.69% | 0.18% | 0.18% | 1.00% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jarrettsville Federal Savings and Loan Association (main office) | Jarrettsville , MD | 21084 | $147.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS))
- January 20, 2015, OCC: Formal Agreement: Jarrettsville FS & LA
- February 22, 2008, OCC (former OTS): Termination of Cease and Desist: Jarrettsville Federal Savings and Loan Association
- November 15, 2004, OCC (former OTS): Cease and Desist: Jarrettsville Federal S&LA
- Period: Most recent institution action January 20, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MD, rank 47 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 28 loans originated, $10.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Jarrettsville Federal Savings and Loan Association
What are Jarrettsville Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Jarrettsville Federal Savings and Loan Association reported total assets of $167.1 million in its FFIEC call report.
Where is Jarrettsville Federal Savings and Loan Association headquartered?
It is headquartered in Jarrettsville, MD, United States.
When was Jarrettsville Federal Savings and Loan Association founded?
It was established in 1876, per the FDIC institution directory.
Is Jarrettsville Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #31083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jarrettsville Federal Savings and Loan Association?
Jarrettsville Federal Savings and Loan Association's primary federal regulator is the OCC.
How many branches does Jarrettsville Federal Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jarrettsville Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 2.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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