TellerScore

Jersey State Bank (FDIC certificate #12384) is based in Jerseyville, Illinois. Its Q2 2026 call report shows $190.1M in total assets and $167.5M in deposits and 2 offices.

Based on its Q2 2026 filing, Jersey State Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 117th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 8% uninsured), and its lowest is earnings (53/100; 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.30%
Loan quality61/100
Noncurrent loans ÷ total loans: 1.18%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 57.2% · 7.7% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.12%

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 8 points (83 → 75), mostly because the loan quality component weakened by 32 points.

TellerScore
707783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202470
Q1 202571
Q2 202583
Q3 202583
Q4 202578
Q1 202680
Q2 202675
Tier 1 leverage ratio
5.00%9.53%14.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.07%
Q3 202413.80%
Q4 202413.75%
Q1 202513.82%
Q2 202513.54%
Q3 202513.89%
Q4 202511.88%
Q1 202613.06%
Q2 202613.30%
Noncurrent loans
0.22%0.99%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.77%
Q3 20241.74%
Q4 20241.70%
Q1 20251.54%
Q2 20250.22%
Q3 20250.36%
Q4 20250.25%
Q1 20260.54%
Q2 20261.18%
Return on assets
0.58%0.71%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.78%
Q4 20240.74%
Q1 20250.58%
Q2 20250.73%
Q3 20250.68%
Q4 20250.72%
Q1 20260.82%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$190.1M13.30%1.18%0.83%57.2%
Q1 202680$195.9M13.06%0.54%0.82%53.1%
Q4 202578$198.3M11.88%0.25%0.72%52.2%
Q3 202583$189.6M13.89%0.36%0.68%53.7%
Q2 202583$181.1M13.54%0.22%0.73%55.3%
Q1 202571$181.6M13.82%1.54%0.58%55.1%
Q4 202470$175.7M13.75%1.70%0.74%54.6%
Q3 202471$178.4M13.80%1.74%0.78%53.9%
Q2 202471$167.5M14.07%1.77%0.79%51.9%

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).

Capital ratio13.30%
77th
Total risk-based capital0.00%
24th
Problem loans1.18%
24th
Net charge-offs-0.01%
87th
Return on assets0.83%
25th
Net interest margin3.08%
12th
Efficiency ratio69.5%
31st
Loans to deposits57.2%
86th
Uninsured deposits7.7%
97th
Loan-loss reserves1.49%
78th
Texas ratio5.1%
35th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank Shannon-PoloBank Shannon, IL51 out of 100, Below average$190.5M10.3%2.64%vs
The First National Bank in TremontBank Tremont, IL67 out of 100, Moderate$187.6M9.9%0.66%vs
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Prairie Community BankBank Marengo, IL39 out of 100, Low$187.5M8.8%2.82%vs
The First National Bank of RaymondBank Raymond, IL78 out of 100, Strong$187.1M10.9%0.42%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs

Deposit insurance

Is my money safe at Jersey State Bank?

Yes. Jersey State Bank is an FDIC-insured institution (FDIC certificate #12384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.7% of deposits ($13.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Jersey State Bank lists 2 offices in 2 cities. Most locations:

  • Grafton, IL (1)
  • Jerseyville, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Jersey State Bank reported 35 home-loan applications under HMDA (LEI 254900BLPLW0LXHKFX20): 29 originated ($5,155,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Jersey State Bank
Type
State-chartered bank
FDIC certificate #
12384
RSSD ID
482446
Primary regulator
FDIC
Holding company
Jsb Bcorp Inc
Established
January 28, 1903
Headquarters
1000 S State St, Jerseyville, IL 62052
Employees
27

Quick answers

Jersey State Bank: common questions

Is Jersey State Bank FDIC insured?

Yes. Jersey State Bank is an FDIC-insured institution (FDIC certificate #12384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Jersey State Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Jersey State Bank ever failed?

There is no failure record for FDIC certificate #12384 in the FDIC failed bank list.

How many branches does Jersey State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jerseyville

InstitutionScoreAssetsCapitalProblem loansCompare
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Bank of KampsvilleBank Kampsville, IL91 out of 100, Very strong$134.1M17.4%0.01%vs
State Employees Community Credit UnionCredit union Alton, IL89 out of 100, Very strong$6.7M20.0%0.00%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Midwest Members Credit UnionCredit union Wood River, IL85 out of 100, Very strong$226.6M13.6%0.44%vs
The Bank of Old MonroeBank Old Monroe, MO81 out of 100, Strong$994.6M10.5%0.00%vs