Jones Bank
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Data as of · sourced from FFIEC call reports. How we update
Jones Bank is an FDIC-insured commercial bank headquartered in Seward, NE, established in 1883 (FDIC certificate 5473), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $441.2M, up 3.6% from Q2 2025, the 46th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.18% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5473
- Headquarters
- Seward, NE
- Established
- 1883
- Total assets, Q2 2026
- $441.2M
- Assets vs Q2 2025
- +3.6%
- Tier 1 leverage ratio, Q2 2026
- 11.18%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104901364
- Holding company
- JONES NATIONAL CORPORATION
- Asset rank in state
- 46th of 138 in Nebraska
Jones Bank, based in Seward, Nebraska, reported $441 million in assets at June 30, 2026, up 3.6% from a year earlier. It keeps 3.17 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 1.2% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $19 million equal 36% of Tier 1 capital, down from 51% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 1.2% and deposits rose 2.6%. One more trend to watch: the commercial and industrial book ($29 million) is worsening: 2.51% of it is past due or on nonaccrual, up from 1.72% a year earlier.
As of June 30, 2026, Jones Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 3.28%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Jones Bank is the 46th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $441.2M, loans rose 2.8% and deposits rose 0.3%. Agricultural production loans made up 23.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.8%. Its 3 offices in the FDIC Summary of Deposits are in Seward, NE, Valparaiso, NE and Milford, NE; its Seward office books 65% of its branch deposits. Judged on its Q2 2026 call report, Jones Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 S 6th St, Seward, NE 68434
- County
- Seward
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 1, 1883
- Former names
- The Jones National Bank and Trust Company of Seward (1979-2018)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $370.8M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- -$38K
- Average total assets
- $461.3M
- Average total loans
- $253.3M
- Average interest-bearing deposits
- $340.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5473
- Fed RSSD
- 469559
- Website
- www.jonesbank.com →
- Parent Holding Company
- JONES NATIONAL CORPORATION (RSSD 1061156)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Jones Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Jones Bank's total assets moved between a low of $419.4M (Q4 2025) and a high of $448.5M (Q3 2024) from Q3 2023 to Q2 2026, 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
$441.2M total assets against $425.7M; $405.4M total liabilities against $398.8M.
$251.7M net loans and leases against $254.9M; $370.8M total deposits against $361.4M.
$141.5M securities against $150.7M; $32.9M cash and balances due against $5.6M.
$5.4M total interest income against $5.4M; $2.0M total interest expense against $2.3M.
$3.4M net interest income against $3.1M.
$491K total noninterest income against $499K; $2.5M total noninterest expense against $2.1M.
$0 provision for credit losses against $0.
$1.4M net income against $1.5M.
1.18% return on assets against 1.29%; 3.17% net interest margin against 2.96%.
11.18% tier 1 leverage ratio against 10.69%.
Inside the full Jones Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJones Bank rankings
Its closest position to the top of a national ranking is 1,933 of 4,196, for total assets; its furthest is 2,097 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q3 2024) to 1.40% (Q4 2025) and its net interest margin ran from 2.58% (Q3 2024) to 3.17% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.18% | 1.18% | 0.39% | 3.28% | 3.17% |
| Q1 2026 | 11.23% | 1.30% | 0.31% | 2.17% | 3.05% |
| Q4 2025 | 11.61% | 1.40% | 0.28% | 1.96% | 3.13% |
| Q3 2025 | 11.09% | 1.16% | 0.24% | 1.80% | 3.03% |
| Q2 2025 | 10.69% | 1.29% | 0.24% | 2.21% | 2.96% |
| Q1 2025 | 10.31% | 1.29% | 0.26% | 2.44% | 2.74% |
| Q4 2024 | 10.20% | 1.06% | 0.22% | 2.16% | 2.64% |
| Q3 2024 | 10.10% | 1.01% | 0.23% | 1.86% | 2.58% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Jones Bank (main office) | Seward , NE | 68434 | $239.8M |
| Oak Creek Valley Branch | Valparaiso , NE | 68065 | $94.6M |
| Milford Branch | Milford , NE | 68405 | $36.4M |
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 |
|---|---|---|---|
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Oak Creek Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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.
- Deposit market share
- 0.4% of deposits in NE, rank 51 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Jones Bank
What are Jones Bank's total assets?
As of the Q2 2026 filing, Jones Bank reported total assets of $441.2 million in its FFIEC call report.
Where is Jones Bank headquartered?
It is headquartered in Seward, NE, United States.
When was Jones Bank founded?
It was established in 1883, per the FDIC institution directory.
Is Jones Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jones Bank?
Jones Bank's primary federal regulator is the Federal Reserve.
How many branches does Jones Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jones Bank's Texas Ratio?
Its Texas Ratio is 3.28% 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 Jones Bank previously called?
The charter now named Jones Bank has also operated as The Jones National Bank and Trust Company of Seward (1979-2018), per FDIC structure-change records.
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