BlastPoint's Banking Scorecard

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

884 banks in the $1B-$10B peer group nationally 37 in PA

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has 3 strengths but faces 4 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 0.84% below tier average
+ Nonperforming Asset Ratio 0.63% below tier average
+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 15.8% in tier
- Liquidity Strain: Bottom 20.4% in tier
- ROA 0.06% below tier average
- Efficiency Ratio 0.46% above tier average

Get updates when Jonestown Bank and Trust Company, of Jonestown, Pennsylvania releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$1.0B +3.7% YoY +1.6% QoQ	-$1.8B	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Bottom 0.5% in tier
Total Loans ?	$800.9M +3.5% YoY -0.5% QoQ	-$1.2B	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$846.1M +4.3% YoY +1.6% QoQ	-$1.5B	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Bottom 4.0% in tier
Return on Assets ?	1.30% +76.5% YoY +22.4% QoQ	-0.06%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	4.18% +11.8% YoY +4.8% QoQ	+0.37%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	61.52% -10.2% YoY -0.3% QoQ	+0.46%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.05% -52.7% YoY -40.1% QoQ	-0.84%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Top 6.8% in tier
Loan-to-Deposit Ratio ?	94.65% -0.7% YoY -2.1% QoQ	+10.45%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	18.69% +1.5% YoY -2.9% QoQ	-2.60%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.04% -52.8% YoY -41.3% QoQ	-0.63%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	Top 7.7% in tier
Tier 1 Capital Ratio ?	10.14% +6.0% YoY +2.6% QoQ	-5.02%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Bottom 5.7% in tier
Non-Interest Income / Assets ?	0.14% +16.5% YoY -80.5% QoQ	-0.11%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	50%

Get Full Access to Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 221 • 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: 10.14%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#69 of 334 • Bottom 20.4% 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: 94.65%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#61 of 880 Top 6.8% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#69 of 884 Top 7.7% in $1B-$10B

186

Net Interest Margin

profitability

Value: 4.18%

Peer Median: 3.82%

#186 of 884 Top 20.9% in $1B-$10B

Top Weaknesses (4 metrics)

881

Total Assets

size

Value: $1.00B

Peer Median: $2.82B

#881 of 884 Bottom 0.5% in $1B-$10B

850

Total Deposits

size

Value: $846.11M

Peer Median: $2.34B

#850 of 884 Bottom 4.0% in $1B-$10B

835

Tier 1 Capital Ratio

capital

Value: 10.14%

Peer Median: 15.16%

#835 of 884 Bottom 5.7% in $1B-$10B

752

Total Loans

size

Value: $800.87M

Peer Median: $1.96B

#752 of 884 Bottom 15.0% in $1B-$10B