Jarrettsville Federal Savings and Loan Association

Jarrettsville, MarylandFDIC Cert #31083

OCCEstablished 18761 branch

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$25.1M
Investor CRE	$5.58M
Multifamily	$129K
Construction	$3.64M
1–4 family	$70M
C&I	$8.39M
Agriculture	$3.14M
Other	$246K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$116M

+5.8%y/y

Percentile by value51st percentileby value

FDICLNLSGR

Net loans

$115M

+5.8%y/y

Percentile by value51st percentileby value

FDICLNLSNET

Loans YoY

+5.80%

+7.6%y/y

Percentile by value54th percentileby value

FDICLNLSNET

L/D

79.1%

+4.8%y/y

Percentile by value58th percentileby value

FDICLNLSNET + DEP

Loans/assets

69.5%

+4.2%y/y

Percentile by value65th percentileby value

FDICLNLSNET + ASSET

RE loans %

96.58%

−0.6%y/y

Percentile by value85th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

4,203points

−5.2%y/y

Peer standing13th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

21.58%

+0.6%y/y

Percentile by value89th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

4.80%

+4.5%y/y

Percentile by value33rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

7.22%

+21.6%y/y

Percentile by value36th percentileby value

FDICLNCI + LNLSGR