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Jersey State Bank

Jerseyville, IL
IDRSSD: 482446
Total Assets
$189.61M
Latest filing
Total Deposits
$166.71M
Latest filing
Net Interest Margin
2.98%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/28/1903
Community BankYes
Ownership TypeNot Mutual
ZIP62052
State and County Number17083
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameSt. Louis, MO-IL

Operational Info

Number of Employees26
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.jerseystatebank.com
Data Updated11/14/2025
CERT12384
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$189.61M
Total Deposits$166.71M
Total Liabilities$169.51M
Total Equity Capital$20.10M
Net Income$276.00k
Net Loans and Leases$89.54M
Assets Per Employee ($Millions)$7.29M
Bank Premises and Fixed Assets$1.25M
Cash and Balances due from Depository Institutions$10.55M
Deposits Held in Domestic Offices$166.71M

Key Performance Ratios

Return on Assets (ROA)0.6%
Return on Equity (ROE)5.73%
Net Interest Margin2.98%
Efficiency Ratio74.49%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.17%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.601%
Earning Assets to total Assets93.8%

Income and Expense

Total Interest Income$1.97M
Total Noninterest Income$244.00k
Total Interest Expense$691.00k
Total Noninterest Expense$1.13M
Net Interest Income$1.28M
Pre-tax Net Operating Income$308.00k
Provision for Credit Losses$80.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$3.76M
Federal Funds Purchased and Repurchased Agreement$1.42M
All Other Liabilities$1.38M
Total Liabilities and Capital$189.61M

Securities

Securities$76.23M
Available-for-sale debt securities$76.20M
Equity securities with readily determinable fair values not held for trading$0
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 State Bank?
$189.61M as of the latest filing.
How much are Jersey State Bank's total deposits?
$166.71M in total deposits.
Where is Jersey State Bank located?
Jerseyville, IL.
What is the Net Interest Margin?
2.98%.
How many domestic offices does it operate?
2.
When was it established?
01/28/1903.
What is the Return on Assets (ROA)?
0.6%.
How much are total loans and leases?
$89.54M (latest filing).
What is the total interest income (latest filing)?
$1.97M.