Jim Thorpe Neighborhood Bank
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Data as of · sourced from FFIEC call reports. How we update
Jim Thorpe Neighborhood Bank is an FDIC-insured commercial bank headquartered in Jim Thorpe, PA, established in 1902 (FDIC certificate 7599), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $265.0M, up 7.6% from Q2 2025, the 85th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 21.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 7599
- Headquarters
- Jim Thorpe, PA
- Established
- 1902
- Total assets, Q2 2026
- $265.0M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 21.01%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 031307691
- Latest call report
- Q2 2026, FFIEC 041 · Jim Thorpe Neighborhood Bank Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- JTNB BANCORP, INC.
- Asset rank in state
- 85th of 109 in Pennsylvania
Jim Thorpe Neighborhood Bank, based in Jim Thorpe, Pennsylvania, reported $265 million in assets at June 30, 2026, up 7.6% from a year earlier. It pays an average of 0.99% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 27% from a year earlier, to $702,000. Over the same year, loans shrank 2.0% and deposits grew 7.0%. Its margin is thin by comparison: it keeps 3.41 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Jim Thorpe Neighborhood Bank reported a CET1 capital ratio of 21.01%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Jim Thorpe Neighborhood Bank is the 85th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $265.0M, loans fell 0.4% and deposits rose 3.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 40.5%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in PA; its Jim Thorpe 3 offices book 51% of its branch deposits. Judged on its Q2 2026 call report, Jim Thorpe Neighborhood Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12 Broadway, Jim Thorpe, PA 18229
- County
- Carbon
- Metro Area
- Allentown-Bethlehem-Easton, PA-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 25, 1902
- Former names
- The Jim Thorpe National Bank (1954-2013)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $241.9M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $268.6M
- Average total loans
- $125.7M
- Average interest-bearing deposits
- $173.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7599
- Fed RSSD
- 920210
- Website
- www.jtnb.com →
- Parent Holding Company
- JTNB BANCORP, INC. (RSSD 1406935)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Jim Thorpe Neighborhood Bank's total assets ranged from $237.9M (Q1 2024) to $267.5M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$265.0M total assets against $246.2M; $242.5M total liabilities against $226.4M.
$124.2M net loans and leases against $126.8M; $241.9M total deposits against $226.0M.
$92.4M securities against $81.8M; $37.5M cash and balances due against $27.4M.
$2.8M total interest income against $2.5M; $588K total interest expense against $627K.
$2.2M net interest income against $1.9M.
$174K total noninterest income against $183K; $1.5M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$702K net income against $554K.
1.05% return on assets against 0.87%; 3.41% net interest margin against 3.15%.
21.01% CET1 capital ratio against 20.49%; 10.08% tier 1 leverage ratio against 9.94%.
Inside the full Jim Thorpe Neighborhood Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJim Thorpe Neighborhood Bank rankings
Its closest position to the top of a national ranking is 287 of 2,134, for CET1 ratio; its furthest is 3,498 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 1.05% (Q2 2026) and its net interest margin ran from 2.88% (Q4 2024) to 3.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.01% | 1.05% | 0.00% | 0.00% | 3.41% |
| Q1 2026 | 21.07% | 0.83% | 0.02% | 0.09% | 3.21% |
| Q4 2025 | 20.77% | 0.80% | 0.00% | 0.00% | 3.14% |
| Q3 2025 | 20.76% | 0.92% | 0.00% | 0.00% | 3.22% |
| Q2 2025 | 20.49% | 0.87% | 0.06% | 0.37% | 3.15% |
| Q1 2025 | 20.37% | 0.73% | 0.00% | 0.00% | 2.99% |
| Q4 2024 | 19.58% | 0.85% | 0.01% | 0.08% | 2.88% |
| Q3 2024 | 18.98% | 0.71% | 0.00% | 0.00% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jim Thorpe Neighborhood Bank (main office) | Jim Thorpe , PA | 18229 | $65.1M |
| Lehighton Branch | Lehighton , PA | 18235 | $64.0M |
| Nesquehoning Branch | Nesquehoning , PA | 18240 | $34.5M |
| Center Street Branch | Jim Thorpe , PA | 18229 | $29.6M |
| Penn Forest Branch | Jim Thorpe , PA | 18229 | $28.6M |
| Lansford Branch | Lansford , PA | 18232 | $20.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2009 | Structure Change | Acquired Nesquehoning Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action January 16, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 104 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 69 loans originated, $11.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $172K approved, $172K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Jim Thorpe Neighborhood Bank
What are Jim Thorpe Neighborhood Bank's total assets?
As of the Q2 2026 filing, Jim Thorpe Neighborhood Bank reported total assets of $265.0 million in its FFIEC call report.
Where is Jim Thorpe Neighborhood Bank headquartered?
It is headquartered in Jim Thorpe, PA, United States.
When was Jim Thorpe Neighborhood Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Jim Thorpe Neighborhood Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jim Thorpe Neighborhood Bank?
Jim Thorpe Neighborhood Bank's primary federal regulator is the Federal Reserve.
What is Jim Thorpe Neighborhood Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Jim Thorpe Neighborhood Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jim Thorpe Neighborhood Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Jim Thorpe Neighborhood Bank previously called?
The charter now named Jim Thorpe Neighborhood Bank has also operated as The Jim Thorpe National Bank (1954-2013), per FDIC structure-change records.
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