| Metric | Jonesburg State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.4% | +1.5 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +2.2% | +5.6% | -3.4 pts |
| ROA | 2.49% | 1.24% | +1.3 pts |
| ROE | 26.3% | 11.9% | +14.5 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.6M | $125.4M | $106.4M | $13.9M | $1.8M | 2.49% | 4.84% | 0.00% |
| Q1 2026 | $142.5M | $123.9M | $106.2M | $13.4M | $896K | 2.54% | 4.79% | 0.00% |
| Q4 2025 | $139.2M | $122.2M | $103.2M | $13.1M | $3.2M | 2.36% | 4.85% | 0.00% |
| Q3 2025 | $140.8M | $121.9M | $103.3M | $13.0M | $2.6M | 2.55% | 4.81% | 0.00% |
| Q2 2025 | $137.5M | $119.2M | $104.1M | $12.5M | $1.8M | 2.59% | 4.75% | 0.00% |
| Q1 2025 | $135.7M | $120.9M | $97.5M | $12.0M | $826K | 2.45% | 4.61% | 0.00% |
| Q4 2024 | $133.9M | $119.4M | $99.0M | $11.7M | $2.7M | 2.02% | 4.54% | 0.00% |
| Q3 2024 | $133.2M | $118.2M | $95.3M | $12.1M | $2.1M | 2.13% | 4.49% | 0.00% |
Loan mix (Q2 2026): real estate $93.3M · commercial $4.4M · consumer $5.7M · securities $7.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Jonesburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.49% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 26.3% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 62.9% | 18th |
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 | Jonesburg 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 | Jonesburg 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 | Jonesburg 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 | Jonesburg State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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