BlastPoint's Banking Scorecard

Jonesburg State Bank

$100M-$1B Specialty: Commercial MO FDIC cert 8896

Jonesburg, MO

3 branches across MO

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 140 in MO.
Deposits +5.3% year over year ($125.4M on the books).
Delinquency rate 0.00%.
Return on assets 2.49%.
Efficiency ratio 50.79% vs a 64.48% peer average.
Loan-to-deposit ratio 84.86% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Jonesburg State Bank shows strong momentum with 5 strengths and 5.9% YoY asset growth

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

+ Return on Assets 1.17% above tier average
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.86% above tier average
+ Efficiency Ratio 13.69% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Jonesburg State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$145.6M +5.9% YoY +2.2% QoQ	-$241.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 12.8% in tier
Total Loans ?	$106.4M +2.2% YoY +0.2% QoQ	-$151.9M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$125.4M +5.3% YoY +1.3% QoQ	-$201.3M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 13.8% in tier
Return on Assets ?	2.49% -3.7% YoY -2.2% QoQ	+1.17%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 4.8% in tier
Net Interest Margin ?	4.84% +1.9% YoY +1.0% QoQ	+0.86%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 11.0% in tier
Efficiency Ratio ?	50.79% +6.9% YoY +6.2% QoQ	-13.69%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	84.86% -2.9% YoY -1.1% QoQ	+6.91%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	29.29% +0.7% YoY -2.0% QoQ	+7.26%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.98% +8.8% YoY +3.1% QoQ	-0.93%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.20% +4.2% YoY +112.9% QoQ	-0.36%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	51%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	29.3% +0.2pp YoY -0.6pp QoQ	+7.1pp	22.1%	20.9%	22.2%	80%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	4.1% -0.1pp YoY -0.4pp QoQ	-7.4pp	11.6%	12.3%	12.5%	15%
CRE	38.8% +1.3pp YoY -0.7pp QoQ	-0.7pp	39.5%	36.8%	41.4%	50%
1-4 Family	36.9% +1.7pp YoY +0.9pp QoQ	+4.3pp	32.6%	31.9%	31.3%	65%
Consumer	5.3% -1.2pp YoY -0.3pp QoQ	+1.2pp	4.1%	4.1%	5.0%	79%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	15.0% +1.2pp YoY +0.5pp QoQ	-3.8pp	18.8%	18.5%	19.7%	49%
Leverage Ratio	9.9% +1.4pp YoY +0.2pp QoQ	-2.2pp	12.2%	11.6%	12.6%	30%
Total Capital Ratio	16.2% +1.2pp YoY +0.5pp QoQ	-3.8pp	19.9%	19.6%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	23 +1 (+4.5%) YoY 0 QoQ	-36	58	162	482	15%
Assets per Employee ($)	$6.3M +1.3% YoY +2.2% QoQ	-$1.2M	$7.5M	$8.0M	$8.8M	39%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	10.47x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	26.3% -2.8pp YoY -0.7pp QoQ	+14.1pp	12.2%	14.3%	11.6%	97%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.8%	1.7%	11%
Net Income ($, YTD)	$1.8M +1.0% YoY — QoQ	-$782K	$2.6M	$11.3M	$40.4M	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

127

Return on Assets

profitability

Value: 2.49%

Peer Median: 1.32%

#127 of 2643 Top 4.8% in $100M-$1B

293

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.99%

#293 of 2643 Top 11.0% in $100M-$1B

489

Efficiency Ratio

profitability

Value: 50.79%

Peer Median: 64.48%

#489 of 2643 Top 18.5% in $100M-$1B

529

Non-Interest-Bearing Deposit Share

funding

Value: 29.29%

Peer Median: 22.03%

#529 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (3 metrics)

2306

Total Assets

size

Value: $145.59M

Peer Median: $386.57M

#2306 of 2643 Bottom 12.8% in $100M-$1B

2280

Total Deposits

size

Value: $125.42M

Peer Median: $326.73M

#2280 of 2643 Bottom 13.8% in $100M-$1B

2093

Total Loans

size

Value: $106.44M

Peer Median: $258.35M

#2093 of 2643 Bottom 20.8% in $100M-$1B