BlastPoint's Banking Scorecard
Jarrettsville Federal Savings and Loan Association
Micro
Specialty: Other
MD
FDIC cert 31083
Designations: ✓ Community bank
Jarrettsville, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
Jarrettsville Federal Savings and Loan Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.42% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.8M
+2.2% YoY
+1.4% QoQ
|
-$52.7M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$111.2M
+4.2% YoY
+1.0% QoQ
|
-$28.0M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$145.1M
+1.7% YoY
+1.7% QoQ
|
-$38.6M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.30%
+63.4% YoY
-7.5% QoQ
|
-0.79% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.43%
+3.2% YoY
+1.5% QoQ
|
-1.42% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
85.31%
-2.7% YoY
+0.2% QoQ
|
+17.58% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.60%
+95.4% YoY
+20.1% QoQ
|
-0.04% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
76.61%
+2.4% YoY
-0.6% QoQ
|
+2.08% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
10.94%
-13.7% YoY
-0.9% QoQ
|
-11.45% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+99.2% YoY
+19.6% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
-18.6% YoY
+25.3% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.61% · Tier avg: 74.53%
47
47th pctile
Total Loans
Current: $111.2M · Tier avg: $139.2M
44
44th pctile
Total Deposits
Current: $145.1M · Tier avg: $183.7M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
42
42th pctile
Total Assets
Current: $164.8M · Tier avg: $217.5M
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.94% · Tier avg: 22.39%
13
13th pctile
Efficiency Ratio
Current: 85.31% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.85%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.31% · Tier avg: 67.73%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.94% · Tier avg: 22.39%
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
42
42th pctile
Total Assets
Current: $164.8M · Tier avg: $217.5M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
44
44th pctile
Total Deposits
Current: $145.1M · Tier avg: $183.7M
47
47th pctile
Total Loans
Current: $111.2M · Tier avg: $139.2M
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.61% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%