BlastPoint's Banking Scorecard

Jonesboro State Bank

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

Designations: ✓ Community bank

Jonesboro, LA

2 branches across LA

884 banks in the $1B-$10B peer group nationally 19 in 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 7.7% in tier
+ Revenue Diversifier: Top 39.4% in tier
+ Efficiency Ratio 31.97% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.89% below tier average
- Delinquency Rate 1.28% above tier average
- Non-Interest-Bearing Deposit Share 19.20% below tier average

Get updates when Jonesboro State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$1.3B +23.3% YoY +4.6% QoQ	-$1.5B	$2.8B -0.1% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$77.8M -36.5% YoY -11.3% QoQ	-$1.9B	$2.0B +0.6% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 0.8% in tier
Total Deposits ?	$1.2B +22.8% YoY +5.3% QoQ	-$1.1B	$2.3B -0.3% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.97% +812.9% YoY +196.4% QoQ	+0.61%	1.37% +19.6% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Top 10.9% in tier
Net Interest Margin ?	1.93% -40.3% YoY -28.7% QoQ	-1.89%	3.82% +6.9% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Bottom 1.9% in tier
Efficiency Ratio ?	29.09% -62.7% YoY -40.2% QoQ	-31.97%	61.06% -4.6% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Top 1.7% in tier
Delinquency Rate ?	2.17% +121.3% YoY +70.1% QoQ	+1.28%	0.89% +14.1% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	Bottom 8.4% in tier
Loan-to-Deposit Ratio ?	6.47% -48.3% YoY -15.8% QoQ	-77.73%	84.20% +0.3% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 0.7% in tier
Non-Interest-Bearing Deposit Share ?	2.09% -27.3% YoY -3.2% QoQ	-19.20%	21.29% -2.5% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Bottom 2.0% in tier
Nonperforming Asset Ratio ?	0.13% +14.1% YoY +44.2% QoQ	-0.54%	0.67% +15.6% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	20.69% +3.5% YoY -6.7% QoQ	+5.53%	15.16% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Top 6.9% in tier
Non-Interest Income / Assets ?	0.28% +196.2% YoY +568.7% QoQ	+0.03%	0.26% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	85%

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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 (2)

Profitability Leader

growth

#18 of 221 • Top 7.7% in tier

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

Why this signature

Return on Assets: 1.97%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#88 of 221 • Top 39.4% 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: 0.28%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.97%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 6.47%

Peer Median: 84.20%

#7 of 884 Top 0.7% in $1B-$10B

Efficiency Ratio

profitability

Value: 29.09%

Peer Median: 61.06%

#16 of 884 Top 1.7% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.69%

Peer Median: 15.16%

#62 of 884 Top 6.9% in $1B-$10B

Return on Assets

profitability

Value: 1.97%

Peer Median: 1.37%

#97 of 884 Top 10.9% in $1B-$10B

135

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.26%

#135 of 884 Top 15.2% in $1B-$10B

167

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#167 of 884 Top 18.8% in $1B-$10B

Top Weaknesses (5 metrics)

878

Total Loans

size

Value: $77.84M

Peer Median: $1.96B

#878 of 884 Bottom 0.8% in $1B-$10B

868

Net Interest Margin

profitability

Value: 1.93%

Peer Median: 3.82%

#868 of 884 Bottom 1.9% in $1B-$10B

867

Non-Interest-Bearing Deposit Share

funding

Value: 2.09%

Peer Median: 21.29%

#867 of 884 Bottom 2.0% in $1B-$10B

807

Delinquency Rate

credit_quality

Value: 2.17%

Peer Median: 0.89%

#807 of 880 Bottom 8.4% in $1B-$10B

690

Total Assets

size

Value: $1.28B

Peer Median: $2.82B

#690 of 884 Bottom 22.1% in $1B-$10B