G. W. Jones Exchange Bank (FDIC certificate #999) is based in Marcellus, Michigan. Its Q2 2026 call report shows $122.8M in total assets and $110.9M in deposits and 4 offices.
G. W. Jones Exchange Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 53rd. Problem-loan coverage contributes the most (92/100, 4.2%); loan quality contributes the least (45/100, 1.64%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 13 points (74 → 61), mostly because the loan quality component weakened by 55 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 67 |
| Q1 2025 | 69 |
| Q2 2025 | 74 |
| Q3 2025 | 76 |
| Q4 2025 | 73 |
| Q1 2026 | 69 |
| Q2 2026 | 61 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.45% |
| Q3 2024 | 9.05% |
| Q4 2024 | 8.31% |
| Q1 2025 | 7.73% |
| Q2 2025 | 8.12% |
| Q3 2025 | 9.35% |
| Q4 2025 | 9.60% |
| Q1 2026 | 9.85% |
| Q2 2026 | 10.36% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.12% |
| Q2 2026 | 1.64% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.20% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $122.8M | 10.36% | 1.64% | 0.90% | 22.1% |
| Q1 2026 | 69 | $107.9M | 9.85% | 0.12% | 0.28% | 24.9% |
| Q4 2025 | 73 | $111.7M | 9.60% | 0.00% | 0.84% | 24.6% |
| Q3 2025 | 76 | $111.2M | 9.35% | 0.00% | 1.20% | 24.4% |
| Q2 2025 | 74 | $108.5M | 8.12% | 0.00% | 1.43% | 24.1% |
| Q1 2025 | 69 | $109.4M | 7.73% | 0.00% | 0.99% | 24.5% |
| Q4 2024 | 67 | $107.3M | 8.31% | 0.19% | 0.73% | 25.4% |
| Q3 2024 | 71 | $103.8M | 9.05% | 0.00% | 0.76% | 27.1% |
| Q2 2024 | 69 | $101.1M | 8.45% | 0.18% | 0.84% | 26.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kalamazoo County State BankBank Schoolcraft, MI | 77 out of 100, Strong | $118.4M | 12.1% | 0.33% | vs |
| Blissfield State BankBank Blissfield, MI | 66 out of 100, Moderate | $114.6M | 11.3% | 1.69% | vs |
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| Community Unity BankBank Birmingham, MI | 71 out of 100, Strong | $107.1M | 19.5% | 0.00% | vs |
| Sidney State BankBank Sidney, MI | 80 out of 100, Strong | $138.7M | 9.6% | 0.06% | vs |
| Bay Port State BankBank Bay Port, MI | 71 out of 100, Strong | $153.4M | 10.9% | 0.65% | vs |
Deposit insurance
Is my money safe at G. W. Jones Exchange Bank?
Yes. G. W. Jones Exchange Bank is an FDIC-insured institution (FDIC certificate #999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.7% of deposits ($31.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 43.40% (benchmark: 10%).
4 locations
Branches
G. W. Jones Exchange Bank lists 3 offices in 3 cities. Most locations:
- Cassopolis, MI (1)
- Edwardsburg, MI (1)
- Marcellus, MI (1)
Identity & history
Profile
- Legal name
- G. W. Jones Exchange Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 999
- RSSD ID
- 540542
- Primary regulator
- FED
- Holding company
- Jones Bcorp Inc
- Established
- May 28, 1877
- Headquarters
- 115 W Main St, Marcellus, MI 49067
- Website
- www.gwjonesbank.com
- Employees
- 30
Quick answers
G. W. Jones Exchange Bank: common questions
Is G. W. Jones Exchange Bank FDIC insured?
Yes. G. W. Jones Exchange Bank is an FDIC-insured institution (FDIC certificate #999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is G. W. Jones Exchange Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has G. W. Jones Exchange Bank ever failed?
There is no failure record for FDIC certificate #999 in the FDIC failed bank list.
How many branches does G. W. Jones Exchange Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marcellus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omni Community Credit UnionCredit union Battle Creek, MI | 90 out of 100, Very strong | $662.0M | 16.3% | 0.75% | vs |
| Kellogg Community Credit UnionCredit union Battle Creek, MI | 88 out of 100, Very strong | $1.0B | 16.7% | 0.41% | vs |
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Century Bank and TrustBank Coldwater, MI | 86 out of 100, Very strong | $494.0M | 14.6% | 0.66% | vs |
| Dowagiac Area Federal Credit UnionCredit union Dowagiac, MI | 80 out of 100, Strong | $26.0M | 11.1% | 0.49% | vs |
| Farmers State BankBank Lagrange, IN | 78 out of 100, Strong | $1.3B | 10.8% | 0.02% | vs |