Jersey State Bank
Jerseyville, IL
IDRSSD: 482446
Total Assets
$198.34M
Latest filing
Total Deposits
$176.13M
Latest filing
Net Interest Margin
3.00%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081904468JERSEYVILLE, IL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Jersey State Bank
1000 S State St
Jerseyville, IL 62052
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/28/1903FDIC Certificate 7875
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Jersey State Bank (Main) | 1000 S State St | Jerseyville, IL |
| GRAFTON BANKING FACILITY | 14 E Main St | Grafton, IL |
Showing 1 of 1
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 | 01/28/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62052 |
| State and County Number | 17083 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 26 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.jerseystatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 12384 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $198.34M |
| Total Deposits | $176.13M |
| Total Liabilities | $177.72M |
| Total Equity Capital | $20.62M |
| Net Income | $398.00k |
| Net Loans and Leases | $91.96M |
| Assets Per Employee ($Millions) | $7.63M |
| Bank Premises and Fixed Assets | $1.25M |
| Cash and Balances due from Depository Institutions | $15.21M |
| Deposits Held in Domestic Offices | $176.13M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 7.82% |
| Net Interest Margin | 3% |
| Efficiency Ratio | 65.6% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.396% |
| Earning Assets to total Assets | 92.73% |
Income and Expense
| Total Interest Income | $2.13M |
| Total Noninterest Income | $209.00k |
| Total Interest Expense | $777.00k |
| Total Noninterest Expense | $1.03M |
| Net Interest Income | $1.36M |
| Pre-tax Net Operating Income | $479.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.66M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.59M |
| Total Liabilities and Capital | $198.34M |
Securities
| Securities | $77.07M |
| Available-for-sale debt securities | $77.05M |
| 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 State Bank?
$198.34M as of the latest filing.
How much are Jersey State Bank's total deposits?
$176.13M in total deposits.
Where is Jersey State Bank located?
Jerseyville, IL.
What is the Net Interest Margin?
3.00%.
How many domestic offices does it operate?
2.
When was it established?
01/28/1903.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$91.96M (latest filing).
What is the total interest income (latest filing)?
$2.13M.