Jonesboro State Bank
Jonesboro, LA · Cert 9325 · Peer group: banks $1B-$10B in assets (n=322-328) · Jonesboro Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$1.3BAssets
$75.9MLoans
$1.2BDeposits
$86.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks $1B-$10B in assets (rank 9 of 328).
- Widest gap: equity / assets trails 99% of banks $1B-$10B in assets (rank 325 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.85%
Rank 33 of 328
Net Interest Margin
1.84%
Rank 322 of 328
Efficiency Ratio
30.60%
Rank 10 of 328
Equity / Assets
6.63%
Rank 325 of 328
Non-interest income vs. expense
Favorable gap of $2.1M · efficiency ratio beats 97% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.85% | 0.91% | 1.22% | 1.52% | Beats 90% | 33 / 328 | |
| Return on Equity | 27.94% | 8.43% | 11.45% | 14.43% | Beats 97% | 9 / 328 | |
| Net Interest Margin | 1.84% | 3.03% | 3.45% | 3.83% | Beats 2% | 322 / 328 | |
| Efficiency Ratio | 30.60% | 51.61% | 59.56% | 67.53% | Beats 97% | 10 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.64% | 0.24% | 0.51% | 1.03% | Beats 13% | 281 / 322 | |
| Net Charge-Offs / Loans | 3.28% | 0.01% | 0.03% | 0.10% | Beats 1% | 319 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 18.70% | 11.75% | 13.15% | 15.47% | Beats 88% | 41 / 328 | |
| Total Risk-Based Capital Ratio | 18.99% | 12.63% | 14.15% | 16.46% | Beats 87% | 44 / 328 | |
| Equity / Assets | 6.63% | 9.15% | 10.33% | 12.01% | Beats 1% | 325 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 6.29% | 76.63% | 87.92% | 95.36% | 1st pctl | 321 / 323 | |
| Loans / Assets | 5.85% | 65.18% | 74.15% | 79.98% | 2nd pctl | 321 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |