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Jersey State Bank
Jerseyville, IL · FDIC Certificate #12384 · Chartered 01/2
Total assets
$190.06M
Total deposits
$167.47M
Total equity
$20.99M
Net loans
$95.79M
Branches (offices)
2
Net income (YTD)
$807.00K
Rank: #3,048 of 4,213 U.S. banks by assets · #206 of 322 in Illinois. Assets changed 4.9% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 7.79% |
| Net interest margin (YTD) | 3.08% |
| Equity to assets | 11.04% |
| Tier 1 leverage ratio | 13.30% |
| Uninsured deposits (share of deposits) | 7.7% |
| Noncurrent loans (share of loans) | 1.18% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 57.2% |
| Real estate loans (share of loans) | 83.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $80.05M | 83.6% | |
| Commercial & industrial | $12.54M | 13.1% | |
| Consumer / individual | $884.00K | 0.9% | |
| Construction & development | $726.00K | 0.8% | |
| Agricultural | $3.55M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $184.41M | $165.56M | $695.00K | $16.27M |
| Jun 2023 | $172.56M | $153.79M | $852.00K | $15.86M |
| Jun 2024 | $167.46M | $147.05M | $673.00K | $17.11M |
| Jun 2025 | $181.13M | $159.13M | $651.00K | $18.43M |
| Jun 2026 | $190.06M | $167.47M | $807.00K | $20.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $167.47M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $167.47M.
Similar-sized banks
Citizens Federal Savings Bank ($190.11M) · First Enterprise Bank ($189.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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