BlastPoint's Banking Scorecard
Jonesburg State Bank
Micro
Specialty: Commercial
MO
FDIC cert 8896
Designations: ✓ Community bank
Jonesburg, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Jonesburg State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.28% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.2M
+3.9% YoY
-1.1% QoQ
|
-$78.3M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$103.2M
+4.2% YoY
-0.1% QoQ
|
-$36.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$122.2M
+2.3% YoY
+0.2% QoQ
|
-$61.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
2.36%
+16.8% YoY
-7.2% QoQ
|
+1.28% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.85%
+6.9% YoY
+0.8% QoQ
|
+1.00% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
52.80%
-8.0% YoY
+8.1% QoQ
|
-14.92% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
84.46%
+1.8% YoY
-0.3% QoQ
|
+9.93% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
29.25%
-0.4% YoY
-1.9% QoQ
|
+6.85% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.45%
+5.8% YoY
+1.1% QoQ
|
+5.60% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.40%
-10.7% YoY
+34.6% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.36%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Return on Assets
Current: 2.36% · Tier avg: 1.08%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
85
85th pctile
Efficiency Ratio
Current: 52.80% · Tier avg: 67.73%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 22.39%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
44
44th pctile
Total Loans
Current: $103.2M · Tier avg: $139.2M
36
36th pctile
Total Deposits
Current: $122.2M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.46% · Tier avg: 74.53%
Top Weaknesses
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.46% · Tier avg: 74.53%
34
34th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $122.2M · Tier avg: $183.7M
44
44th pctile
Total Loans
Current: $103.2M · Tier avg: $139.2M
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 8.85%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 22.39%
85
85th pctile
Efficiency Ratio
Current: 52.80% · Tier avg: 67.73%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
95
95th pctile
Return on Assets
Current: 2.36% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%