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Jonesboro State Bank

$1B-$10B Specialty: Other LA FDIC cert 9325

Designations: ✓ Community bank

Jonesboro, LA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
  • Deposits +13.5% year over year ($1.2B on the books).
  • Delinquency rate 1.68%.
  • Return on assets 1.90%.
  • Efficiency ratio 30.60% vs a 59.73% peer average.
  • Loan-to-deposit ratio 6.16% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 18 in LA
View $1B-$10B leaderboard (LA) →

Jonesboro State Bank has 3 strengths but faces 3 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

  • + Profitability Leader: Top 9.9% in tier
  • + Revenue Diversifier: Top 49.1% in tier
  • + Efficiency Ratio 29.12% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.97% below tier average
  • - Non-Interest-Bearing Deposit Share 19.32% below tier average
  • - Delinquency Rate 0.81% above tier average
Get updates when Jonesboro State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $1.3B
+14.8% YoY +1.3% QoQ
-$1.5B $2.8B
-0.6% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $74.4M
-33.2% YoY -4.4% QoQ
-$1.9B $2.0B
-0.3% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Bottom 0.7% in tier
Total Deposits ? $1.2B
+13.5% YoY +0.3% QoQ
-$1.1B $2.3B
-0.5% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.90%
+421.0% YoY -3.9% QoQ
+0.50% 1.39%
+17.0% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 1.90%
-37.8% YoY -1.3% QoQ
-1.97% 3.87%
+6.2% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Bottom 1.6% in tier
Efficiency Ratio ? 30.60%
-42.2% YoY +5.2% QoQ
-29.12% 59.73%
-12.6% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
Top 2.3% in tier
Delinquency Rate ? 1.68%
+55.3% YoY -22.5% QoQ
+0.81% 0.87%
+11.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 12.7% in tier
Loan-to-Deposit Ratio ? 6.16%
-41.2% YoY -4.7% QoQ
-78.87% 85.04%
-0.1% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 0.7% in tier
Non-Interest-Bearing Deposit Share ? 1.95%
-18.9% YoY -6.7% QoQ
-19.32% 21.27%
-1.5% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Bottom 1.9% in tier
Nonperforming Asset Ratio ? 0.10%
-9.6% YoY -26.9% QoQ
-0.58% 0.67%
+11.7% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Top 14.5% in tier
Tier 1 Capital Ratio ? 18.70%
-9.7% YoY -9.6% QoQ
+3.86% 14.84%
-0.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 9.7% in tier
Non-Interest Income / Assets ? 0.52%
+227.9% YoY +83.3% QoQ
-0.01% 0.53%
+2.5% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
82%

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 (LA) National Avg Tier Percentile
Noninterest-Bearing 2.0%
-0.5pp YoY
-0.1pp QoQ
 -19.4pp 21.4% 24.6% 22.2% 1%
Brokered Deposits 89.3%
+2.7pp YoY
+0.9pp QoQ
 +79.8pp 9.5% 6.7% 8.5% 99%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 8.5%
+0.9pp YoY
-0.6pp QoQ
 -5.5pp 14.0% 12.6% 12.5% 36%
CRE n/a n/a 50.0% 44.9% 41.4% n/a
1-4 Family 16.8%
+6.3pp YoY
+1.1pp QoQ
 -9.6pp 26.4% 34.2% 31.3% 35%
Consumer 43.9%
-22.8pp YoY
-8.1pp QoQ
 +39.2pp 4.7% 4.2% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 18.7%
-2.0pp YoY
-2.0pp QoQ
 +3.1pp 15.6% 22.5% 19.7% 89%
Leverage Ratio 7.7%
+0.5pp YoY
+0.4pp QoQ
 -3.6pp 11.3% 13.4% 12.6% 1%
Total Capital Ratio 19.0%
-2.8pp YoY
-2.1pp QoQ
 +2.3pp 16.7% 23.6% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 20
+2 (+11.1%) YoY
0 QoQ
 -294 313 114 482 0%
Assets per Employee ($) $64.9M
+3.3% YoY
+1.3% QoQ
 +$54.4M $10.5M $6.8M $8.8M 100%
Branch Count 1
0 YoY
0 QoQ
 -19 20 9 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.1pp YoY
+0.1pp QoQ
 +0.2pp 0.2% 0.4% 0.4% 91%
Nonaccrual 1.3%
+0.7pp YoY
-0.6pp QoQ
 +0.5pp 0.8% 1.4% 1.0% 82%
Allowance Coverage 1.24x
-64.4% YoY
+10.0% QoQ
 -17.47x 18.71x 27.36x 20.23x 31%
Net Charge-off Rate (YTD) 4.6%
-0.3pp YoY
-0.7pp QoQ
 +4.3pp 0.3% 0.1% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 30.3%
+23.3pp YoY
-2.2pp QoQ
 +17.7pp 12.6% 12.5% 11.6% 98%
Cost of Funds (YTD) 3.5%
+0.2pp YoY
0.0pp QoQ
 +1.6pp 1.9% 1.7% 1.7% 99%
Net Income ($, YTD) $12.0M
+546.5% YoY
— QoQ
 -$7.2M $19.2M $5.1M $40.4M 48%

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 (2)

Profitability Leader

growth
#23 of 222 • Top 9.9% in tier

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

Why this signature
Return on Assets: 1.90%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#110 of 222 • Top 49.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.52%
(Tier: 0.53%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.90%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

7
Loan-to-Deposit Ratio
liquidity
Value: 6.16%
Peer Median: 85.04%
#7 of 885 Top 0.7% in $1B-$10B
21
Efficiency Ratio
profitability
Value: 30.60%
Peer Median: 59.73%
#21 of 885 Top 2.3% in $1B-$10B
87
Tier 1 Capital Ratio
capital
Value: 18.70%
Peer Median: 14.84%
#87 of 885 Top 9.7% in $1B-$10B
129
Nonperforming Asset Ratio
credit_quality
Value: 0.10%
Peer Median: 0.67%
#129 of 885 Top 14.5% in $1B-$10B
136
Return on Assets
profitability
Value: 1.90%
Peer Median: 1.39%
#136 of 885 Top 15.3% in $1B-$10B
162
Non-Interest Income / Assets
revenue_mix
Value: 0.52%
Peer Median: 0.53%
#162 of 885 Top 18.2% in $1B-$10B

Top Weaknesses (5 metrics)

880
Total Loans
size
Value: $74.39M
Peer Median: $1.96B
#880 of 885 Bottom 0.7% in $1B-$10B
872
Net Interest Margin
profitability
Value: 1.90%
Peer Median: 3.87%
#872 of 885 Bottom 1.6% in $1B-$10B
869
Non-Interest-Bearing Deposit Share
funding
Value: 1.95%
Peer Median: 21.27%
#869 of 885 Bottom 1.9% in $1B-$10B
771
Delinquency Rate
credit_quality
Value: 1.68%
Peer Median: 0.87%
#771 of 882 Bottom 12.7% in $1B-$10B
687
Total Assets
size
Value: $1.30B
Peer Median: $2.79B
#687 of 885 Bottom 22.5% in $1B-$10B
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