B
Jersey State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.88
Return On
Assets
0.68%
Total
Assets
198.34M
Capital
20.62M
Total
Deposits
176.13M
Net
Income
1.33M
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Weiss Ratings Jersey State Bank
Jerseyville, IL 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 3.70
Stability Index 6.40
Company Info Jersey State Bank
Jerseyville, IL 		Click to
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FDIC Number 12384
Phone Number (618) 498-6466
Website www.jerseystatebank.com
Asset Quality Jersey State Bank
Jerseyville, IL 		Click to
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1-Year Asset Growth 12.88%
5-Year Asset Growth 2.08%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans -0.09%
Non-Performing Assets to Assets 0.13%
Non-Performing Loans to Capital 0.91%
Non-Performing Loans to Loans 0.28%
Balance Sheet Jersey State Bank
Jerseyville, IL 		Click to
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Total Assets 198.34M
Total Deposits 176.13M
Capital and Reserves Jersey State Bank
Jerseyville, IL 		Click to
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Capital 20.62M
Leverage Ratio 11.88
Loan Loss Reserves to Loans 1.50%
Risk-Based Capital Ratio --
Liquidity Jersey State Bank
Jerseyville, IL 		Click to
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Hot Money Ratio 16.49%
Liquidity Ratio 45.60%
Profitability Jersey State Bank
Jerseyville, IL 		Click to
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5-Year Return on Average Assets 0.86%
Net Income 1.33M
Net Interest Spread 2.92%
Operating Profit to Average Assets 0.80%
Overhead Efficiency Ratio 71.37%
Return on Assets 0.68%
Return on Equity 6.98%