BlastPoint's Banking Scorecard
G. W. Jones Exchange Bank
Micro
Specialty: Other
MI
FDIC cert 999
Designations: ✓ Community bank
Marcellus, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
G. W. Jones Exchange Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 21.69% above tier
- + Tier 1 Capital Ratio 29.52% above tier
- + Non-Interest Income / Assets 0.43% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 49.92% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.7M
+4.1% YoY
+0.5% QoQ
|
-$105.8M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$24.8M
-0.4% YoY
+1.4% QoQ
|
-$114.3M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$100.9M
+2.9% YoY
+0.4% QoQ
|
-$82.8M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.84%
+15.9% YoY
-29.7% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.76%
+15.3% YoY
+8.4% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
78.37%
+1.2% YoY
+13.9% QoQ
|
+10.65% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
24.61%
-3.1% YoY
+1.0% QoQ
|
-49.92% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.09%
+0.0% YoY
+0.2% QoQ
|
+21.69% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-53.2% YoY
-4.0% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
38.37%
+18.9% YoY
-0.4% QoQ
|
+29.52% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.99%
-15.8% YoY
+28.3% QoQ
|
+0.43% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.09%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.37%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
0.99%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
24.61%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
99
99th pctile
Tier 1 Capital Ratio
Current: 38.37% · Tier avg: 8.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.09% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.56%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
29
29th pctile
Total Deposits
Current: $100.9M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $111.7M · Tier avg: $217.5M
23
23th pctile
Efficiency Ratio
Current: 78.37% · Tier avg: 67.73%
9
9th pctile
Total Loans
Current: $24.8M · Tier avg: $139.2M
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.61% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.61% · Tier avg: 74.53%
9
9th pctile
Total Loans
Current: $24.8M · Tier avg: $139.2M
23
23th pctile
Efficiency Ratio
Current: 78.37% · Tier avg: 67.73%
26
26th pctile
Total Assets
Current: $111.7M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $100.9M · Tier avg: $183.7M
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
92
92th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.56%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.09% · Tier avg: 22.39%
99
99th pctile
Tier 1 Capital Ratio
Current: 38.37% · Tier avg: 8.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%