B
G.W. Jones Exchange Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings G.W. Jones Exchange Bank
Marcellus, MI
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Rating B
Asset Quality Index 9.90
Capitalization Index 7.50
Liquidity Index 5.60
Profitability Index 5.50
Stability Index 4.00
Company Info G.W. Jones Exchange Bank
Marcellus, MI
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FDIC Number 999
Phone Number (269) 646-2151
Website www.gwjonesbank.com
Asset Quality G.W. Jones Exchange Bank
Marcellus, MI
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1-Year Asset Growth 7.11%
5-Year Asset Growth 14.92%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet G.W. Jones Exchange Bank
Marcellus, MI
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Total Assets 111.17M
Total Deposits 100.50M
Capital and Reserves G.W. Jones Exchange Bank
Marcellus, MI
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Capital 9.71M
Leverage Ratio 9.35
Loan Loss Reserves to Loans 1.06%
Risk-Based Capital Ratio 39.50
Liquidity G.W. Jones Exchange Bank
Marcellus, MI
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Hot Money Ratio 1.96%
Liquidity Ratio 82.95%
Profitability G.W. Jones Exchange Bank
Marcellus, MI
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5-Year Return on Average Assets 0.81%
Net Income 981.00K
Net Interest Spread 3.56%
Operating Profit to Average Assets 1.34%
Overhead Efficiency Ratio 68.81%
Return on Assets 1.19%
Return on Equity 14.64%