| Metric | Jonesboro State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +5.5% | +9.3 pts |
| Deposit growth (YoY) | +13.5% | +5.1% | +8.5 pts |
| Loan growth (YoY) | -33.2% | +5.9% | -39.1 pts |
| ROA | 1.90% | 1.26% | +0.6 pts |
| ROE | 30.3% | 12.2% | +18.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.30B | $1.21B | $74.4M | $86.1M | $12.0M | 1.90% | 1.90% | 0.10% |
| Q1 2026 | $1.28B | $1.20B | $77.8M | $74.5M | $6.2M | 1.97% | 1.93% | 0.13% |
| Q4 2025 | $1.23B | $1.14B | $87.8M | $77.7M | $7.3M | 0.67% | 2.70% | 0.09% |
| Q3 2025 | $1.18B | $1.10B | $99.3M | $72.5M | $4.8M | 0.61% | 2.92% | 0.09% |
| Q2 2025 | $1.13B | $1.06B | $111.3M | $60.3M | $1.9M | 0.36% | 3.06% | 0.11% |
| Q1 2025 | $1.04B | $979.5M | $122.5M | $56.6M | $523K | 0.22% | 3.23% | 0.12% |
| Q4 2024 | $895.2M | $849.6M | $137.5M | $43.2M | $9.9M | 1.23% | 3.70% | 0.18% |
| Q3 2024 | $820.2M | $770.5M | $150.5M | $47.7M | $3.0M | 0.51% | 3.80% | 0.23% |
Loan mix (Q2 2026): real estate $19.1M · commercial $6.3M · consumer $32.6M · securities $1.16B
| Ratio | Jonesboro State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 30.3% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 30.6% | 59.0% | 3rd |
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% |
| Ratio | Jonesboro State 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% |
| Ratio | Jonesboro State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Jonesboro State 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% |
| Ratio | Jonesboro State 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% |
| Ratio | Jonesboro State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $1.06B branch deposits. Biggest market: Jackson, LA, ranked 1st with 79.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, LA | 1 | $1.06B | 79.06% | 1st |
Louisiana: 19th with 0.72% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1