Jarrettsville Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jarrettsville Federal Savings and Loan Association of Jarrettsville, MD 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 | 0.35% | 1.35% | -1.00% | 9th bottom |
| ROAE | 3.07% | 12.06% | -8.99% | 9th bottom |
| Net Interest Margin | 2.63% | 3.90% | -1.27% | 4th bottom |
| Efficiency Ratio | 80.40% | 63.14% | +17.26% | 13th bottom |
| PPNR / Avg Assets | 0.54% | 1.64% | -1.10% | 9th bottom |
| Yield on Earning Assets | 4.68% | 5.65% | -0.97% | 13th bottom |
| Cost of Funds | 2.30% | 1.85% | +0.45% | 21st bottom |
| Net Interest Spread | 2.09% | 3.35% | -1.26% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.92% | -0.66% | 59th above |
| NPA / Total Assets | 0.19% | 0.67% | -0.48% | 61st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 393.89% | 1645.67% | -1251.78% | 66th above |
| Texas Ratio | 2.08% | 7.15% | -5.07% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.20% | 12.46% | -0.26% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.57% | 11.67% | -0.10% | 67th above |
| TCE / Tangible Assets | 11.57% | 11.40% | +0.17% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.12% | 78.64% | +1.48% | 51st above |
| Core Deposit Ratio | 89.09% | 87.09% | +2.00% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.12% | 6.48% | -4.36% | 33rd below |
| Loan Growth (Y/Y) | 4.83% | 7.64% | -2.81% | 47th below |
| Deposit Growth (Y/Y) | 1.82% | 6.02% | -4.20% | 34th below |
See Jarrettsville Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jarrettsville Federal Savings and Loan Association, 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 Jarrettsville Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.