Jersey Shore State Bank
Williamsport, PA
IDRSSD: 732918
Total Assets
$1.62B
Latest filing
Total Deposits
$1.13B
Latest filing
Net Interest Margin
2.84%
Profitability
Key People
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Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/12/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 17701 |
| State and County Number | 42081 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Known |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | NEW YORK |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 225 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/25/2025 |
| Date of Deposit Insurance | 05/12/1934 |
| Primary Insurance Agency | DIF |
| Website | www.jssb.com |
| Data Updated | 2/13/2026 |
| CERT | 14359 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.62B |
| Total Deposits | $1.13B |
| Total Liabilities | $1.47B |
| Total Equity Capital | $141.82M |
| Net Income | $2.70M |
| Net Loans and Leases | $1.35B |
| Assets Per Employee ($Millions) | $7.18M |
| Bank Premises and Fixed Assets | $21.11M |
| Cash and Balances due from Depository Institutions | $22.75M |
| Deposits Held in Domestic Offices | $1.13B |
Key Performance Ratios
| Return on Assets (ROA) | 0.67% |
| Return on Equity (ROE) | 7.68% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 62.8% |
| Tier 1 Risk-Based Capital Ratio | 10.375% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.39% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.777% |
| Earning Assets to total Assets | 91.7% |
Income and Expense
| Total Interest Income | $20.28M |
| Total Noninterest Income | $1.75M |
| Total Interest Expense | $9.73M |
| Total Noninterest Expense | $7.73M |
| Net Interest Income | $10.55M |
| Pre-tax Net Operating Income | $3.01M |
| Provision for Credit Losses | $1.56M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $83.00k |
| Other borrowed funds | $255.59M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $70.85M |
| All Other Liabilities | $16.71M |
| Total Liabilities and Capital | $1.62B |
Securities
| Securities | $128.33M |
| Available-for-sale debt securities | $127.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Jersey Shore State Bank?
$1.62B as of the latest filing.
How much are Jersey Shore State Bank's total deposits?
$1.13B in total deposits.
Where is Jersey Shore State Bank located?
Williamsport, PA.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
18.
When was it established?
05/12/1934.
What is the Return on Assets (ROA)?
0.67%.
How much are total loans and leases?
$1.35B (latest filing).
What is the total interest income (latest filing)?
$20.28M.