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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

5.25%Q2 ’245.34%Q2 ’255.58%Q2 ’26+6%+12%

Non-interest income vs. expense

2.72%Q2 ’242.79%Q2 ’252.80%Q2 ’260%-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 1.52%, up 59 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.02% of loans (-5 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

1.52%+59 bps YoY

Net Interest Margin (quarter, annualized)

4.13%+43 bps YoY

Efficiency Ratio (quarter, annualized)

58.70%-669 bps YoY

Tier 1 Leverage Ratio

10.24%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.37%1.21%1.30%1.52%+59 bps
Return on Equity9.87%14.24%12.26%13.04%14.98%+511 bps
Net Interest Margin3.70%3.75%3.98%3.96%4.13%+43 bps
Efficiency Ratio65.39%55.67%59.20%61.52%58.70%-669 bps
Non-Interest Burden2.23%1.52%2.11%2.22%2.16%-7 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 / Loans0.13%0.30%0.24%0.16%0.05%-8 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