JONES BANK

SEWARD, NE | Small | Est. Oct. 1, 1883, midnight | FDIC #5473 | RSSD #469559 | FED
Latest Report: 2025-12-31

JONES BANK is asn small FDIC-insured commercial bank headquartered in SEWARD, NE, established in Oct. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $419M and total deposits of $349M. Profitability stands at 1.47% ROA and 18.22% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 7.01%. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.29%. FDIC Certificate #5473.

Assets

$419M

Deposits

$349M

Loans

$254M

Equity

$35M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 18.22%
Net Interest Margin (NIM) 3.29%
Yield on Assets 5.41%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio -0.02%
Texas Ratio 1.29%
NPA Ratio 0.12%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 7.01%
Tier 1 Capital 7.01%
Total Capital Ratio 7.37%
Leverage Ratio 11.61%
Loan-to-Deposit 72.69%

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