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G. W. Jones Exchange Bank
Marcellus, MI · FDIC Certificate #999 · Chartered 05/2
Total assets
$122.76M
Total deposits
$110.94M
Total equity
$10.67M
Net loans
$24.50M
Branches (offices)
4
Net income (YTD)
$516.00K
Rank: #3,507 of 4,213 U.S. banks by assets · #62 of 72 in Michigan. Assets changed 13.2% and deposits 12.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 10.11% |
| Net interest margin (YTD) | 3.17% |
| Equity to assets | 8.69% |
| Tier 1 leverage ratio | 10.36% |
| Uninsured deposits (share of deposits) | 28.7% |
| Noncurrent loans (share of loans) | 1.64% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 22.1% |
| Real estate loans (share of loans) | 93.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $22.89M | 93.4% | |
| Commercial & industrial | $549.00K | 2.2% | |
| Consumer / individual | $1.17M | 4.8% | |
| Construction & development | $757.00K | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $105.47M | $97.33M | $614.00K | $7.74M |
| Jun 2023 | $120.35M | $111.44M | $843.00K | $8.01M |
| Jun 2024 | $101.07M | $91.52M | $496.00K | $8.81M |
| Jun 2025 | $108.47M | $98.39M | $775.00K | $9.15M |
| Jun 2026 | $122.76M | $110.94M | $516.00K | $10.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $110.94M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $110.94M.
Similar-sized banks
First Central Bank Mccook ($122.77M) · Midwest National Bank ($122.60M)
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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