BlastPoint's Banking Scorecard
JONES BANK
Seward, NE
3 branches across NE
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +2.6% year over year ($370.8M on the books).
- Delinquency rate 0.39%.
- Return on assets 1.30%.
- Efficiency ratio 61.79% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.88% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
JONES BANK has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.69% below tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.8% in tier
- - Non-Interest-Bearing Deposit Share 13.81% below tier average
- - Net Interest Margin 0.82% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$441.2M
+3.6% YoY
+0.6% QoQ
|
+$54.6M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$251.7M
-1.3% YoY
+2.9% QoQ
|
-$6.7M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$370.8M
+2.6% YoY
+0.3% QoQ
|
+$44.0M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.30%
-3.7% YoY
-4.2% QoQ
|
-0.02% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.16%
+10.0% YoY
+2.1% QoQ
|
-0.82% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.8% in tier |
| Efficiency Ratio ? |
61.79%
+7.6% YoY
+6.9% QoQ
|
-2.69% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.39%
+61.5% YoY
+23.5% QoQ
|
-0.52% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
67.88%
-3.7% YoY
+2.5% QoQ
|
-10.07% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
8.22%
-2.9% YoY
-6.0% QoQ
|
-13.81% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.5% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+87.2% YoY
+53.6% QoQ
|
-0.40% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.18%
+4.6% YoY
-0.4% QoQ
|
-4.73% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.20%
-19.8% YoY
+118.1% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
8.2%
-0.2pp YoY -0.5pp QoQ |
-13.9pp | 22.1% | 17.6% | 22.2% | 7% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.3%
-0.9pp YoY +1.1pp QoQ |
-0.2pp | 11.6% | 12.3% | 12.5% | 60% |
| CRE |
24.6%
-1.5pp YoY -1.3pp QoQ |
-14.9pp | 39.5% | 32.3% | 41.4% | 26% |
| 1-4 Family |
16.8%
+1.2pp YoY -0.3pp QoQ |
-15.8pp | 32.6% | 16.9% | 31.3% | 23% |
| Consumer |
1.9%
-1.0pp YoY -0.2pp QoQ |
-2.2pp | 4.1% | 3.1% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
11.2%
+0.5pp YoY 0.0pp QoQ |
-1.0pp | 12.2% | 12.1% | 12.6% | 53% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
+3 (+5.5%) YoY +4 (+7.4%) QoQ |
-1 | 58 | 98 | 482 | 61% |
| Assets per Employee ($) |
$7.6M
-1.7% YoY -6.3% QoQ |
+$88K | $7.5M | $8.5M | $8.8M | 62% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.2% | -0.2pp | 0.3% | 0.4% | 0.4% | 62% |
| Nonaccrual |
0.2%
0.0pp YoY -0.1pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 32% |
| Allowance Coverage |
4.22x
-35.8% YoY -20.5% QoQ |
-19.94x | 24.15x | 31.69x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
-6.6pp YoY -0.6pp QoQ |
+3.8pp | 12.2% | 12.3% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.9% | 1.7% | 65% |
| Net Income ($, YTD) |
$2.8M
-4.5% YoY — QoQ |
+$268K | $2.6M | $6.1M | $40.4M | 67% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.