Jarrettsville Federal Savings and Loan Association: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Jarrettsville Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($11.9M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (2.60% vs. 3.93%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.21% | 1.20% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.60% | 3.93% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.61% | 63.98% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.9M | $6.6M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.29% | 76.40% | Context |
What it means for lending operations
Its efficiency ratio of 84.61% is above the 63.98% 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
- The First National Bank of Quitaque Quitaque, TX · $167M
- Impact Bank Wellington, KS · $167M
- Farmers State Bank of Western Illinois Alpha, IL · $167M
- Carson Community Bank Stilwell, OK · $167M
- Westmoreland Federal Savings and Loan Association Latrobe, PA · $167M
- The First National Bank of Eagle Lake Eagle Lake, TX · $168M
Questions about Jarrettsville Federal Savings and Loan Association
How big is Jarrettsville Federal Savings and Loan Association?
Jarrettsville Federal Savings and Loan Association, established in 1876, is headquartered in Jarrettsville, MD. It reported $167M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Jarrettsville Federal Savings and Loan Association's return on assets?
0.21% annualized in Q2 2026, against a 1.20% median for 999 U.S. banks with half to twice its assets, ahead of 6% of them.
What is Jarrettsville Federal Savings and Loan Association's efficiency ratio?
84.61% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 63.98%, and lower is better.
Is Jarrettsville Federal Savings and Loan Association growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 1.8%.
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 U.S. 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 Maryland bank ranked.