Jersey State Bank: how it compares with its peers
Against 139 IL banks with half to twice its assets, Jersey State Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.08% vs. 3.77%).
| Measure | Jersey State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.17% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.08% | 3.77% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.46% | 64.64% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.4M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.20% | 74.00% | Context |
What it means for lending operations
Its efficiency ratio of 69.46% is above the 64.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank Shannon-Polo Shannon, IL · $190M
- The First National Bank in Tremont Tremont, IL · $188M
- First Federal Savings Bank of Champaign Urbana Champaign, IL · $193M
- Prairie Community Bank Marengo, IL · $188M
- The First National Bank of Raymond Raymond, IL · $187M
- Liberty Bank Liberty, IL · $194M
Questions about Jersey State Bank
How big is Jersey State Bank?
Jersey State Bank, established in 1903, is headquartered in Jerseyville, IL. It reported $190M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Jersey State Bank's return on assets?
0.83% annualized in Q2 2026, against a 1.17% median for 139 IL banks with half to twice its assets, ahead of 25% of them.
What is Jersey State Bank's efficiency ratio?
69.46% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Jersey State Bank growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 5.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.