Jarrettsville Federal Savings and Loan Association: 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.
Efficiency ratio dropped 8.65 percentage points in Q2 2026, from 89.04% to 80.40%. It was the largest change from Q1 2026 among the key lines here. Within Maryland, Jarrettsville Federal Savings and Loan Association is 22nd of 27 on return on assets, 0.35% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Jarrettsville Federal Savings and Loan Association reported 0.35% on return on assets in Q2 2026, 0.90 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.20% |
| Equity capital to assets | 11.57% |
| Tangible equity to tangible assets | 11.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.08% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 393.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.35% |
| Return on equity | 3.07% |
| Net interest margin | 2.63% |
| Efficiency ratio | 80.40% |
| Yield on earning assets | 4.68% |
| Cost of funds | 2.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.12% |
| Core deposits to total deposits | 89.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.05% |
| Securities to assets | 10.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.24% | 0.32% | 2.62% | 0.40% | 0.00% |
| Q4 2023 | 13.21% | 0.20% | 2.50% | 0.33% | 0.00% |
| Q1 2024 | 12.97% | 0.14% | 2.35% | 0.20% | 0.00% |
| Q2 2024 | 12.69% | 0.15% | 2.22% | 0.19% | 0.00% |
| Q3 2024 | 12.69% | 0.18% | 2.28% | 0.18% | 0.00% |
| Q4 2024 | 12.71% | 0.25% | 2.40% | 0.18% | 0.00% |
| Q1 2025 | 12.24% | 0.13% | 2.17% | 0.18% | 0.00% |
| Q2 2025 | 12.14% | 0.34% | 2.31% | 0.45% | 0.00% |
| Q3 2025 | 12.31% | 0.49% | 2.61% | 0.28% | 0.00% |
| Q4 2025 | 12.29% | 0.22% | 2.50% | 0.28% | 0.00% |
| Q1 2026 | 12.29% | 0.07% | 2.47% | 0.27% | 0.00% |
| Q2 2026 | 12.20% | 0.35% | 2.63% | 0.26% | 0.00% |
Jarrettsville Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jarrettsville Federal Savings and Loan Association, 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 Jarrettsville Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31083) · FFIEC NIC profile (RSSD 613978)