Jonestown, PA · Cert 10677 · JBT Bcorp Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Lebanon, PA · 2026 SOD (annual) · 21.9% share · #2 of 12 inst. · $0.7B of $3.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.85% | 0.74% | 0.83% | 1.01% | 1.06% | 1.30% | 1.41% | +58 bps | |
| Return on Equity | 9.46% | 9.20% | 7.90% | 8.89% | 10.70% | 11.11% | 13.04% | 14.01% | +513 bps | |
| Net Interest Margin | 3.44% | 3.46% | 3.54% | 3.59% | 3.62% | 3.69% | 3.96% | 4.01% | +42 bps | |
| Efficiency Ratio | 68.94% | 69.34% | 68.48% | 66.88% | 62.59% | 61.71% | 61.52% | 60.06% | -682 bps | |
| Non-Interest Burden | 2.22% | 2.24% | 2.27% | 2.23% | 1.97% | 2.00% | 2.22% | 2.17% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | 6.43% | 4.88% | 6.23% | 4.95% | 3.84% | 3.66% | 3.09% | -315 bps | |
| Loan Growth (YoY) | -3.57% | -2.12% | 1.52% | 5.76% | 7.17% | 5.97% | 3.52% | 2.86% | -290 bps | |
| Deposit Growth (YoY) | 3.33% | 9.55% | 7.84% | 10.09% | 7.63% | 5.33% | 4.25% | 1.03% | -906 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.14% | 0.11% | 0.07% | 0.08% | 0.09% | 0.05% | 0.02% | -5 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.21% | 0.28% | 0.20% | 0.23% | 0.24% | 0.16% | 0.10% | -10 bps | |
| Allowance / Loans | 1.18% | 1.17% | 1.17% | 1.18% | 1.17% | 1.19% | 1.21% | 1.21% | +3 bps | |
| Allowance Coverage of NPLs | 12.6x | 8.1x | 10.8x | 17.4x | 14.4x | 13.9x | 23.5x | 64.0x | +46.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.58% | 9.56% | 9.56% | 9.72% | 9.88% | 10.14% | 10.24% | +67 bps | |
| Total Risk-Based Capital | 9.50% | 9.58% | 9.56% | 9.56% | 9.72% | 9.88% | 10.14% | 10.24% | +67 bps | |
| Equity / Assets | 9.42% | 9.34% | 9.33% | 9.45% | 9.77% | 9.95% | 10.00% | 10.29% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.63% | 97.21% | 96.49% | 97.18% | 98.21% | 97.81% | 95.81% | 98.94% | +176 bps | |
| Liquid Assets / Assets | 9.48% | 9.71% | 9.67% | 8.00% | 7.57% | 7.91% | 9.75% | 8.53% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 318% | 322% | 314% | n/a | n/a | |