No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $190.1M | $167.5M | $95.8M | $21.0M | $807K | 0.83% | 3.08% | 0.61% |
| Q1 2026 | $195.9M | $174.0M | $92.5M | $20.5M | $404K | 0.82% | 3.00% | 0.26% |
| Q4 2025 | $198.3M | $176.1M | $92.0M | $20.6M | $1.3M | 0.72% | 3.00% | 0.12% |
| Q3 2025 | $189.6M | $166.7M | $89.5M | $20.1M | $927K | 0.68% | 3.01% | 0.17% |
| Q2 2025 | $181.1M | $159.1M | $88.0M | $18.4M | $651K | 0.73% | 3.05% | 0.11% |
| Q1 2025 | $181.6M | $160.1M | $88.2M | $18.4M | $260K | 0.58% | 2.81% | 0.76% |
| Q4 2024 | $175.7M | $154.9M | $84.6M | $17.4M | $1.3M | 0.74% | 2.94% | 0.83% |
| Q3 2024 | $178.4M | $156.0M | $84.0M | $19.3M | $998K | 0.78% | 2.99% | 0.83% |
Loan mix (Q2 2026): real estate $80.1M · commercial $12.5M · consumer $884K · securities $74.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Jersey State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 62.9% | 67th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Jersey State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Jersey State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Jersey State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Jersey State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.