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
Unfavorable gap of $21.9M · efficiency ratio beats 51% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.93% | 1.23% | 1.54% | Beats 67% | 84 / 258 | |
| Return on Equity | 13.65% | 9.26% | 11.84% | 14.74% | Beats 66% | 87 / 258 | |
| Net Interest Margin | 4.01% | 3.16% | 3.49% | 3.88% | Beats 81% | 48 / 258 | |
| Efficiency Ratio | 60.06% | 51.71% | 60.30% | 69.65% | Beats 51% | 127 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.19% | 0.46% | 0.90% | Beats 96% | 11 / 258 | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.02% | 0.07% | Beats 16% | 217 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.24% | 11.41% | 12.98% | 15.12% | Beats 11% | 230 / 258 | |
| Total Risk-Based Capital Ratio | 10.24% | 12.10% | 13.91% | 16.08% | Beats 10% | 233 / 258 | |
| Equity / Assets | 10.29% | 9.09% | 10.24% | 11.72% | Beats 50% | 128 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 98.94% | 73.24% | 86.34% | 95.95% | 82nd pctl | 47 / 258 | |
| Loans / Assets | 82.18% | 63.01% | 72.27% | 78.40% | 88th pctl | 32 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |