BlastPoint's Banking Scorecard

Jonesburg State Bank

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

Jonesburg, MO

3 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Jonesburg State Bank demonstrates 5 strengths

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

+ Profitability Leader: Top 37.4% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.87% above tier average
+ Efficiency Ratio 17.46% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$141.2M +4.0% YoY +1.4% QoQ	-$244.9M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 11.6% in tier
Total Loans ?	$106.2M +8.9% YoY +3.0% QoQ	-$149.5M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$123.9M +2.5% YoY +1.4% QoQ	-$204.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 13.1% in tier
Return on Assets ?	2.56% +4.3% YoY +8.2% QoQ	+1.29%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 4.0% in tier
Net Interest Margin ?	4.80% +4.1% YoY -1.0% QoQ	+0.87%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 10.8% in tier
Efficiency Ratio ?	47.82% -1.9% YoY -9.4% QoQ	-17.46%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 12.2% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	85.77% +6.3% YoY +1.5% QoQ	+9.13%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	29.90% +6.1% YoY +2.2% QoQ	+7.88%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.50% +2.4% YoY +0.3% QoQ	-1.33%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.10% +1.3% YoY -75.7% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	50%

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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 (1)

Profitability Leader

growth

#250 of 666 • Top 37.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.56%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

108

Return on Assets

profitability

Value: 2.56%

Peer Median: 1.27%

#108 of 2664 Top 4.0% in $100M-$1B

290

Net Interest Margin

profitability

Value: 4.80%

Peer Median: 3.93%

#290 of 2664 Top 10.8% in $100M-$1B

326

Efficiency Ratio

profitability

Value: 47.82%

Peer Median: 65.29%

#326 of 2664 Top 12.2% in $100M-$1B

494

Non-Interest-Bearing Deposit Share

funding

Value: 29.90%

Peer Median: 22.02%

#494 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (3 metrics)

2356

Total Assets

size

Value: $141.21M

Peer Median: $386.08M

#2356 of 2664 Bottom 11.6% in $100M-$1B

2316

Total Deposits

size

Value: $123.87M

Peer Median: $327.97M

#2316 of 2664 Bottom 13.1% in $100M-$1B

2093

Total Loans

size

Value: $106.24M

Peer Median: $255.72M

#2093 of 2664 Bottom 21.5% in $100M-$1B