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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

$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