# G W JONES EXCHANGE BANK
MARCELLUS, MI · FDIC certificate 999 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $122.8M | |
| Deposits | $110.9M | |
| Loans and leases | $24.8M | |
| Total equity | $10.7M | |
| Loans / deposits | 22.09% (p6 of band) | 73.59% |
| Liquid assets / assets | 78.85% (p96 of band) | |
| Uninsured deposits / deposits | 28.66% (p78 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.36% (p30 of band) | 11.76% |
| Unrealized securities loss / equity | -8.00% (p45 of band) | -6.57% |
| AOCI / equity | 3.29% (p99 of band) | |
| ROA (annualized) | 0.90% (p35 of band) | 1.17% |
| Net interest margin | 3.17% (p17 of band) | 3.93% |
| Efficiency ratio | 75.48% (p71 of band) | |
| Noncurrent loans | 1.64% (p81 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 64.69% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 7.09% (p33 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.8% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | charge-offs p90 |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2016-12 | 1 | expense ratio p90 |  |
| 2017-03 | 3 | capital falling, losing money |  |
| 2017-06 | 1 |  | capital falling, losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking | expense ratio p90 |
| 2018-03 | 1 | uninsured deposits leaving | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2018-06 | 3 | deposits shrinking, assets shrinking |  |
| 2018-09 | 1 |  | deposits shrinking, assets shrinking |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2022-06 | 2 |  | capital falling, reserve under noncurrent |
| 2022-09 | 4 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2022-12 | 3 | leverage <7%, capital falling | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |
| 2023-03 | 2 |  | NIM <2.5% |
| 2023-06 | 2 | securities losses >30% of equity | capital falling |
| 2023-09 | 1 |  | leverage <7% |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-08-31 [Marcellus community celebrates updated mural honoring Pokagon Band of the Potawatomi - wwmt.com](https://news.google.com/rss/articles/CBMioAJBVV95cUxNNnc4eG54bmp4NUo4Ykp0TFEtakpoVUhMa2ZEdlRobHpiTzJXNkJRMnBNZU02X080eFlVYlFYUzJPdWdiWEJya0tYR2FZRTJSdXhXdC10MmhCNmRTNFgxRjRuSDFkZElzR1ViWmdnaXNjbllWUWNPeHowTjR5bjFrQnJXRGtmQTdHMHZGRUI0SC1MZGVrS25MSS04Z0pVT0xzQXBrY2NPQUNoQVpPS1V3RmJYczNlLXJmWElCNFZicWpmWVlyZ3otMFdxdFVycjYzZGMzam90SjJmYjRHRERzNUFwR0ZUMU83cVlGdEFVbm9wRTZORjFJUV91NGhWMzRDanktZ2paeFNKMEZzTmJlOWZWR0pGZG4yeUhVNlJxcnM?oc=5) · wwmt.com
- 2024-10-11 [Daniel Jones Obituary & Funeral | Paw Paw, MI - Betzler Life Story Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE1zRFZSaXl3elFWS0hkQ2tocVNrTEpqb0Y4UzRvdjdkTnlUX241bUtBdy1jMllNQ1R4ejBuR2NIZWl4QWVzWnlYaURHaHB5aVF5bWtvSXhZdTQtcnBhNjluMUlBdmVHSEgzeUFv?oc=5) · Betzler Life Story Funeral Homes
- 2020-07-22 [Man Gets 18-Year Prison Term For Bank Robbery, Second Crime - CBS News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTjFUeXdEc18zNE5hcU1YOXpXSUF6OXVVNmZ6WXQ3c282X1pGZEpLQWtuS3pkUzlJZER3ckZMMHhxSEdpXzFNYnBXelR5b0M5eGlWZThTVE1WeVoyd1c1MWw1ZFkwMmRrMnU3czN2MGRjLVV3bkU2ZWxSSjltLVcySC1aQmJEcS1Yai1zeTd5YnJaTnN1TFc2dXBPcUI?oc=5) · CBS News
- 2020-07-21 [Three Oaks Bank Robber Sentenced to 18 Years in Prison - moodyonthemarket.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQc3JZY0R6cXFzbFVmOWo2VTAycjZDWDE0aDZtUE5tV2hHdS1sWXdjb0xNYnNqQmM4dVlNZXhYd0R5WGk0MEtwQjEyV2VVS2g2bUxVWDlCV0VwMlVwb2F6cDdUTktCZkxqQ2J5bTJyZXZ2WmNQd2pQSHk0Uko4dmVrcE80NUhaLTdqRFllNl85M051dw?oc=5) · moodyonthemarket.com
- 2020-07-22 [Man Sentenced To 18 Years For Robbing Three Oaks Bank - WVPE](https://news.google.com/rss/articles/CBMioAFBVV95cUxQR09PaEJsMFFfU2R0WUJabTZuaFk5MThNVm04UUZFV0RxNFZGMVVwcFZaNjdTaHhiaFRfMTVGSlExVERrWllXUlpTNXhlSzZRV1ZVVFh5VjA1Q2NDczhBeThfcU1WazMyNDdTS1Rwd0dubFFYNzNtQ0dZQ0laRkdmTVNkeDJtVXBZTTlLeGJIYUtFb1I5YWlaa3FMR0FnVzhM?oc=5) · WVPE
- 2014-08-04 [Alleged thieves used police scanner, two-way radios in $13,000 bank heist in Cass County - MLive.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxORlhnclQ2UUIwdEctTUIwb1dBXzFDUlNrdllWdVNPWVk1cGtDcTl3WUstSmFaS2MwRDB1WVNrVlczLU14U2xzYm8wcGl0MG52Qkxlb2w4WmM2RlVKa1YtcV9sWHJaX0RGQVJQVW9JMVdPcFQ1YVpEMkdRT0VDZHpnR3dDZWd4Ums?oc=5) · MLive.com
- 2007-06-03 [John Young Obituary (2007) - Vandalia, IN - South Bend Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxOc1JSaUpkYTRiMFpqOFdxbTlrMC0ya0gyMzhvd2p5UEtBc0ZTN3BFRjhnTENWblhMeFBpQ21iVWY4UVJnZDRKOXkzMVZjb3VDQlk3Y0EzazlJR0xQLXYzdEMtSVAxcUt1UVRFUTUtWG45dzNXa0JpNUMwbmMzaW5IcXpMOUIzcE00RkJqVTdIWm1GSzFE?oc=5) · Legacy obituary
- 2007-02-03 [Deborah Weaver Obituary (2007) - Kalamazoo, MI - Kalamazoo Gazette - MLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQV194Q2hmbndNbW5yZkhxUUdKYU5GVUYyblJ4UTFpUnA3Z21LcDBuVXVmNFFQZFk3LV8tYVVfNldQbTFvcWpQdFU2WHZtZTFWS21VNVhYek15YUhaNllNSzhtMFQyYWo1M0hzSWhNOXNVRXhjR2dpeVBKdTMtQlQ0cmVQcTg2UXVVWnowRWY4cFZSQQ?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=999 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "999", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide