JONES BANK
Total assets
$441.2M
▲ +3.6% YoY
Deposits
$370.8M
▲ +2.6% YoY
Loans
$251.7M
▼ -1.3% YoY
Offices
3
JONES NATIONAL CORP
ROA (annualized)
1.30%
peers 1.24%
ROE (annualized)
15.98%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | JONES BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.8 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 16.0% | 11.9% | +4.1 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
Profile
- Established
- 1883
- Charter
- State
- Primary regulator
- FED
- Holding company
- JONES NATIONAL CORP
- Specialization
- Agricultural Specialization
- Address
- 203 S 6th St, Seward, NE, 68434
- County
- Seward
- Metro area
- Lincoln, NE
- Offices
- 3
- FDIC cert #
- 5473
- RSSD ID
- 469559
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $441.2M | $370.8M | $251.7M | $35.8M | $2.8M | 1.30% | 3.16% | 0.27% |
| Q1 2026 | $438.4M | $369.5M | $244.6M | $35.0M | $1.5M | 1.36% | 3.10% | 0.18% |
| Q4 2025 | $419.4M | $348.9M | $249.5M | $35.3M | $5.8M | 1.35% | 2.99% | 0.17% |
| Q3 2025 | $423.2M | $355.4M | $251.4M | $32.6M | $4.3M | 1.31% | 2.94% | 0.14% |
| Q2 2025 | $425.7M | $361.4M | $254.9M | $26.9M | $3.0M | 1.35% | 2.88% | 0.15% |
| Q1 2025 | $442.7M | $377.5M | $251.6M | $26.2M | $1.5M | 1.34% | 2.74% | 0.15% |
| Q4 2024 | $442.5M | $355.5M | $263.1M | $25.6M | $4.8M | 1.08% | 2.61% | 0.13% |
| Q3 2024 | $448.5M | $343.4M | $260.3M | $30.8M | $3.5M | 1.07% | 2.59% | 0.13% |
Loan mix (Q2 2026): real estate $157.5M · commercial $28.6M · consumer $4.9M · securities $141.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | JONES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.96% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 62.9% | 47th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | JONES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | JONES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | JONES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | JONES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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