BlastPoint's Banking Scorecard
Jonesboro State Bank
Community
Specialty: Other
LA
FDIC cert 9325
Jonesboro, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Jonesboro State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 11.92% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 33% in Community
- - Net Interest Margin 0.96% below tier
- - Non-Interest-Bearing Deposit Share 18.89% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+36.9% YoY
+4.1% QoQ
|
-$166.3M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$87.8M
-36.2% YoY
-11.6% QoQ
|
-$887.7M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$1.1B
+34.5% YoY
+4.0% QoQ
|
-$22.3M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.67%
-45.7% YoY
+9.7% QoQ
|
-0.50% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.70%
-27.0% YoY
-7.5% QoQ
|
-0.96% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
48.66%
+51.3% YoY
-5.0% QoQ
|
-13.97% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
1.27%
+11.3% YoY
+21.2% QoQ
|
+0.65% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
7.68%
-52.5% YoY
-15.0% QoQ
|
-75.38% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
2.16%
-43.6% YoY
-3.2% QoQ
|
-18.89% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-48.1% YoY
+2.9% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
22.17%
+14.9% YoY
+5.8% QoQ
|
+11.92% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
-0.06%
-107.3% YoY
+84.8% QoQ
|
-0.80% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.17%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Cost Spiral
risk
#14 of 40 · Bottom 33% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
48.66%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.70%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
2.16%
(Tier avg: 21.05%, National avg: 21.79%)
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
96
96th pctile
Tier 1 Capital Ratio
Current: 22.17% · Tier avg: 10.24%
86
86th pctile
Efficiency Ratio
Current: 48.66% · Tier avg: 62.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
20
20th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.63%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
9
9th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.66%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.16% · Tier avg: 21.05%
0
0th pctile
Total Loans
Current: $87.8M · Tier avg: $975.5M
Top Weaknesses
0
0th pctile
Total Loans
Current: $87.8M · Tier avg: $975.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.16% · Tier avg: 21.05%
9
9th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.66%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
20
20th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.63%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
86
86th pctile
Efficiency Ratio
Current: 48.66% · Tier avg: 62.63%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.17% · Tier avg: 10.24%