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Jonestown Bank and Trust Company of Jonestown, Pennsylvania

Jonestown, PA · Cert 10677 · JBT Bcorp Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jonestown Bank and Trust Company of Jonestown, Pennsylvania

Jonestown, PA · Cert 10677 · JBT Bcorp Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.0BAssets
$826.0MLoans
$834.8MDeposits
$103.4MEquity
Loan mix
65%RE $519.7M3%C&I $26.5M31%Consumer $250.4MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $692.4M17%Noninterest $142.4MQ2 2025Q2 2026

NIM

5.12%Q2 ’245.21%Q2 ’255.44%Q2 ’26+6%+12%

Non-interest income vs. expense

2.73%Q2 ’242.75%Q2 ’252.77%Q2 ’26-1%-3%

Market Position · Lebanon, PA · 2026 SOD (annual) · 21.9% share · #2 of 12 inst. · $0.7B of $3.2B

21.9% Lebanon
0.6% Lancaster
0.1% Berks

Executive Summary

  • Earnings: ROA of 1.41%, up 58 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.02% of loans (-5 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.24%, up 67 bps from a year ago.
  • Funding: loans stand at 98.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+58 bps YoY

Net Interest Margin (YTD, annualized)

4.01%+42 bps YoY

Efficiency Ratio (YTD, annualized)

60.06%-682 bps YoY

Tier 1 Leverage Ratio

10.24%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%1.01%1.06%1.30%1.41%+58 bps
Return on Equity8.89%10.70%11.11%13.04%14.01%+513 bps
Net Interest Margin3.59%3.62%3.69%3.96%4.01%+42 bps
Efficiency Ratio66.88%62.59%61.71%61.52%60.06%-682 bps
Non-Interest Burden2.23%1.97%2.00%2.22%2.17%-6 bps
Growth
Asset Growth (YoY)6.23%4.95%3.84%3.66%3.09%-315 bps
Loan Growth (YoY)5.76%7.17%5.97%3.52%2.86%-290 bps
Deposit Growth (YoY)10.09%7.63%5.33%4.25%1.03%-906 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.08%0.09%0.05%0.02%-5 bps
Net Charge-Offs / Loans0.20%0.23%0.24%0.16%0.10%-10 bps
Allowance / Loans1.18%1.17%1.19%1.21%1.21%+3 bps
Allowance Coverage of NPLs17.4x14.4x13.9x23.5x64.0x+46.6x
Capital
Tier 1 Leverage Ratio9.56%9.72%9.88%10.14%10.24%+67 bps
Total Risk-Based Capital9.56%9.72%9.88%10.14%10.24%+67 bps
Equity / Assets9.45%9.77%9.95%10.00%10.29%+84 bps
Liquidity & Funding
Loans / Deposits97.18%98.21%97.81%95.81%98.94%+176 bps
Liquid Assets / Assets8.00%7.57%7.91%9.75%8.53%+53 bps
CRE / Total Capitaln/a318%322%314%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Jonestown Bank and Trust Company of Jonestown, Pennsylvania

Jonestown, PA · Cert 10677 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · JBT Bcorp Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.0BAssets
$826.0MLoans
$834.8MDeposits
$103.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 96% of banks $1B-$10B in assets operating in a single state (rank 11 of 258).
  • Widest gap: total risk-based capital ratio trails 90% of banks $1B-$10B in assets operating in a single state (rank 233 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.40%

Rank 84 of 258

Net Interest Margin

4.01%

Rank 48 of 258

Efficiency Ratio

60.06%

Rank 127 of 257

Equity / Assets

10.29%

Rank 128 of 258

Non-interest income vs. expense

$6.1M$28.0MINCOMEEXPENSE
Unfavorable gap of $21.9M · efficiency ratio beats 51% of banks $1B-$10B in assets operating in a single state
Bank 60.06%Peer median 60.3%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.93%1.23%1.54%Beats 67%84 / 258
Return on Equity13.65%9.26%11.84%14.74%Beats 66%87 / 258
Net Interest Margin4.01%3.16%3.49%3.88%Beats 81%48 / 258
Efficiency Ratio60.06%51.71%60.30%69.65%Beats 51%127 / 257
Asset Quality
Nonperforming Loans / Loans0.02%0.19%0.46%0.90%Beats 96%11 / 258
Net Charge-Offs / Loans0.14%0.01%0.02%0.07%Beats 16%217 / 258
Capital
Tier 1 Capital Ratio10.24%11.41%12.98%15.12%Beats 11%230 / 258
Total Risk-Based Capital Ratio10.24%12.10%13.91%16.08%Beats 10%233 / 258
Equity / Assets10.29%9.09%10.24%11.72%Beats 50%128 / 258
Liquidity & Funding
Loans / Deposits98.94%73.24%86.34%95.95%82nd pctl47 / 258
Loans / Assets82.18%63.01%72.27%78.40%88th pctl32 / 258
Brokered Deposits / Depositsn/aNot reported for this institution