BlastPoint's Banking Scorecard
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
Community
Specialty: Commercial
PA
FDIC cert 10677
Jonestown, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 40% in Community
- - Liquidity Strain: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$988.7M
+3.8% YoY
+1.0% QoQ
|
-$402.7M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$804.8M
+6.0% YoY
+0.3% QoQ
|
-$170.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$832.7M
+5.3% YoY
+0.8% QoQ
|
-$331.9M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.06%
+24.6% YoY
+4.9% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.99%
+6.6% YoY
+2.3% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
61.71%
-11.0% YoY
-1.4% QoQ
|
-0.92% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.09%
-40.6% YoY
+5.4% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
96.64%
+0.6% YoY
-0.4% QoQ
|
+13.58% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
19.25%
-2.5% YoY
+2.5% QoQ
|
-1.79% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.07%
-39.4% YoY
+4.7% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.73%
+45.5% YoY
+25.0% QoQ
|
-0.01% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#180 of 371 · Top 48% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Capital Thin
risk
#175 of 432 · Bottom 40% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#210 of 513 · Bottom 41% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.64%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
73
73th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
70
70th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
58
58th pctile
Total Loans
Current: $804.8M · Tier avg: $975.5M
52
52th pctile
Efficiency Ratio
Current: 61.71% · Tier avg: 62.63%
49
49th pctile
Total Deposits
Current: $832.7M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $988.7M · Tier avg: $1.4B
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 21.05%
45
45th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.64% · Tier avg: 83.06%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.64% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 21.05%
49
49th pctile
Total Assets
Current: $988.7M · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $832.7M · Tier avg: $1.2B
52
52th pctile
Efficiency Ratio
Current: 61.71% · Tier avg: 62.63%
58
58th pctile
Total Loans
Current: $804.8M · Tier avg: $975.5M
70
70th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
73
73th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%