FDIC Cert #31083 · Jarrettsville, Maryland · Est. 1876

Jarrettsville Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Jarrettsville Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$165M
Total assets
C
Health grade · Fair
0.30%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Jarrettsville Federal Savings and Loan Association earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.29% Tier 1, 0.30% ROA, 85% efficiency ratio.

#3,248
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
12.29%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 31083 · MD C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3704/4307
  • PHOTO-FINISH First Federal Bank,… · AL
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-THIN 0.30% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: First Federal Bank, A FSB, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Jarrettsville Federal Savings and Loa…

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Bank,… · AL · …62/100Home Federal Savings… · SC ·…62/100Jarrettsville Federa… · MD ·…62/100Marquette Savings Bank · PA …62/100The Peoples Savings… · OH · …62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Jarrettsville Federal Savings and Loa… · July 2026

Call Report read for Jarrettsville Federal Savings and Loa… in a high-failure state

Jarrettsville Federal Savings and Loan Association (FDIC Cert #31083) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,704 of 4,307. Tier 1 capital prints at 12.29%, clearing the 10% well-capitalized line. The Texas Ratio is 3.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.30%. Balance-sheet scale is $165M, 3,248th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Federal Bank, A FSB (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Jarrettsville Federal Savings and Loa…

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Jarrettsville Federal Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Jarrettsville Federal Savings and Loan Association's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Jarrettsville Federal Savings and Loan Association's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Jarrettsville Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (12.29%) 35/40
Return on Assets (ROA) (0.30%) 7/25
Texas Ratio (3.29%) 20/20
Efficiency Ratio (85.31%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$165M

Total balance-sheet footings

Total Deposits

$145M

Customer-funded liabilities

Net Loans

$111M

Outstanding loan book

Net Income

$485K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.89% 12.29% 13.69%
Basel III capital ratios - Jarrettsville Federal Savings and Loan Association

Where Jarrettsville Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Jarrettsville Federal Savings and Loan Association's score of 62/100 falls in the highlighted band.

Jarrettsville Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 14th percentile higher than 14% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Jarrettsville Federal Savings and Loa… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Jarrettsville Federal Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Jarrettsville Federal Savings and Loan Association's $165M falls in the highlighted band.

Capital & credit buffers at Jarrettsville Federal Savings and Loa…

Tier 1 capital ratio
Well-capitalized 10%

12.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.29%
Texas Ratio
3.29%
Equity Capital
$19M

What these ratios mean →

Profitability metrics: Jarrettsville Federal Savings and Loa…

Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
2.59%
Efficiency Ratio
85.31%

What these mean →

Income & expense at Jarrettsville Federal Savings and Loa…

$7M
Interest Income
$169K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Jarrettsville Federal Savings and Loan Association reports a Texas Ratio of 3.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Jarrettsville Federal Savings and Loan Association on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($165M here), outside Maryland so the neighborhood is not state containment.

First New Mexico Bank, Las Cruces $165M · NM Carson Community Bank $165M · OK Valley State Bank $165M · AL Union State Bank $165M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Jarrettsville Federal Savings and Loan Association (FDIC Cert #31083) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Jarrettsville Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%