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Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

$1B-$10B Specialty: Commercial PA FDIC cert 10677

Designations: ✓ Community bank

Jonestown, PA

14 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +1.0% year over year ($834.8M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.41%.
  • Efficiency ratio 60.06% vs a 59.73% peer average.
  • Loan-to-deposit ratio 97.75% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.85% below tier average
  • + Nonperforming Asset Ratio 0.66% below tier average
  • + Net Interest Margin 0.43% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 15.8% in tier
  • - Liquidity Strain: Bottom 28.8% in tier
  • - Efficiency Ratio 0.34% above tier average
Get updates when Jonestown Bank and Trust Company, of Jonestown, Pennsylvania releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.0B
+3.1% YoY +0.1% QoQ
-$1.8B $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
Bottom 0.5% in tier
Total Loans ? $816.0M
+2.8% YoY +1.9% QoQ
-$1.1B $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $834.8M
+1.0% YoY -1.3% QoQ
-$1.5B $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Bottom 2.7% in tier
Return on Assets ? 1.41%
+69.5% YoY +8.6% QoQ
+0.02% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 4.30%
+12.0% YoY +2.9% QoQ
+0.43% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 60.06%
-10.2% YoY -2.4% QoQ
+0.34% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.02%
-72.1% YoY -63.3% QoQ
-0.85% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Top 5.4% in tier
Loan-to-Deposit Ratio ? 97.75%
+1.8% YoY +3.3% QoQ
+12.71% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 17.06%
-5.9% YoY -8.8% QoQ
-4.22% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.02%
-72.2% YoY -62.6% QoQ
-0.66% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Top 5.6% in tier
Tier 1 Capital Ratio ? 10.24%
+7.1% YoY +1.0% QoQ
-4.61% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 8.0% in tier
Non-Interest Income / Assets ? 0.30%
+15.6% YoY +111.8% QoQ
-0.22% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 17.1%
-1.1pp YoY
-1.6pp QoQ
 -4.3pp 21.4% 18.7% 22.2% 34%
Brokered Deposits n/a n/a 9.5% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 3.2%
+0.6pp YoY
-0.1pp QoQ
 -10.8pp 14.0% 8.6% 12.5% 10%
CRE 38.9%
+0.7pp YoY
-0.5pp QoQ
 -11.1pp 50.0% 37.9% 41.4% 22%
1-4 Family 25.0%
+0.8pp YoY
+0.5pp QoQ
 -1.5pp 26.4% 47.8% 31.3% 55%
Consumer 31.4%
-1.9pp YoY
+0.1pp QoQ
 +26.7pp 4.7% 3.8% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.3% 19.7% n/a
Leverage Ratio 10.2%
+0.7pp YoY
+0.1pp QoQ
 -1.1pp 11.3% 13.2% 12.6% 43%
Total Capital Ratio n/a n/a 16.7% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 159
+2 (+1.3%) YoY
+1 (+0.6%) QoQ
 -155 313 299 482 26%
Assets per Employee ($) $6.3M
+1.8% YoY
-0.5% QoQ
 -$4.2M $10.5M $9.2M $8.8M 15%
Branch Count 14
0 YoY
0 QoQ
 -6 20 20 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 31%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 0.9% 1.0% 1%
Allowance Coverage 64.03x
+267.9% YoY
+172.1% QoQ
 +45.32x 18.71x 3.63x 20.23x 98%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 68%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 14.0%
+5.1pp YoY
+1.0pp QoQ
 +1.4pp 12.6% 10.2% 11.6% 66%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.8% 1.7% 25%
Net Income ($, YTD) $7.1M
+75.5% YoY
— QoQ
 -$12.2M $19.2M $18.2M $40.4M 24%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#36 of 222 • Bottom 15.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.24%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Liquidity Strain

risk
#105 of 361 • Bottom 28.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.75%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

49
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.87%
#49 of 882 Top 5.4% in $1B-$10B
51
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#51 of 885 Top 5.6% in $1B-$10B
168
Net Interest Margin
profitability
Value: 4.30%
Peer Median: 3.87%
#168 of 885 Top 18.9% in $1B-$10B

Top Weaknesses (5 metrics)

882
Total Assets
size
Value: $1.01B
Peer Median: $2.79B
#882 of 885 Bottom 0.5% in $1B-$10B
862
Total Deposits
size
Value: $834.82M
Peer Median: $2.32B
#862 of 885 Bottom 2.7% in $1B-$10B
815
Tier 1 Capital Ratio
capital
Value: 10.24%
Peer Median: 14.84%
#815 of 885 Bottom 8.0% in $1B-$10B
746
Total Loans
size
Value: $816.02M
Peer Median: $1.96B
#746 of 885 Bottom 15.8% in $1B-$10B
709
Loan-to-Deposit Ratio
liquidity
Value: 97.75%
Peer Median: 85.04%
#709 of 885 Bottom 20.0% in $1B-$10B
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