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Jarrettsville Federal Savings And Loan Association
Jarrettsville, MD · FDIC Certificate #31083 · Chartered 01/0
Total assets
$167.09M
Total deposits
$147.13M
Total equity
$19.34M
Net loans
$116.65M
Branches (offices)
1
Net income (YTD)
$177.00K
Rank: #3,188 of 4,213 U.S. banks by assets · #24 of 27 in Maryland. Assets changed 2.1% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.21% |
| Return on equity | 1.84% |
| Net interest margin (YTD) | 2.60% |
| Equity to assets | 11.57% |
| Tier 1 leverage ratio | 12.20% |
| Uninsured deposits (share of deposits) | 9.9% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 94.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $109.65M | 94.0% | |
| Commercial & industrial | $7.95M | 6.8% | |
| Consumer / individual | $277.00K | 0.2% | |
| Construction & development | $3.77M | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $147.04M | $129.56M | $106.00K | $17.24M |
| Jun 2023 | $146.73M | $129.00M | $368.00K | $17.38M |
| Jun 2024 | $156.37M | $138.20M | $112.00K | $17.86M |
| Jun 2025 | $163.63M | $144.49M | $192.00K | $18.73M |
| Jun 2026 | $167.09M | $147.13M | $177.00K | $19.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $147.13M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $147.13M.
Similar-sized banks
The First National Bank Of Quitaque ($167.12M) · Security Bank And Trust Company ($166.94M)
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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