BlastPoint's Banking Scorecard
JONES BANK
Seward, NE
3 branches across NE
JONES BANK has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 7.48% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.5% in tier
- - Deposit Outflow: Bottom 46.8% in tier
- - Flatlined Growth: Bottom 47.3% in tier
- - Non-Interest-Bearing Deposit Share 13.28% below tier average
- - Net Interest Margin 0.83% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$438.4M
-1.0% YoY
+4.5% QoQ
|
+$52.3M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$244.6M
-2.8% YoY
-1.9% QoQ
|
-$11.1M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$369.5M
-2.1% YoY
+5.9% QoQ
|
+$41.5M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.36%
+1.2% YoY
+0.9% QoQ
|
+0.09% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
3.10%
+13.2% YoY
+3.7% QoQ
|
-0.83% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio ? |
57.81%
+3.0% YoY
-2.7% QoQ
|
-7.48% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.32%
+20.2% YoY
+12.0% QoQ
|
-0.57% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
66.21%
-0.6% YoY
-7.4% QoQ
|
-10.43% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
8.74%
-4.4% YoY
-6.3% QoQ
|
-13.28% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.4% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+18.1% YoY
+5.1% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
11.23%
+8.9% YoY
-3.3% QoQ
|
-4.60% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.09%
-29.2% YoY
-83.1% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
48% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.