Jones Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 204.60 percentage points in Q2 2026, from 530.73% to 735.33%. It was the largest change from Q1 2026 among the key lines here. Jones Bank ranks 93rd of 138 Nebraska banks on return on assets, in the lower half at 1.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Jones Bank sits 0.07 points lower, at 1.18% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.18% |
| Equity capital to assets | 8.11% |
| Tangible equity to tangible assets | 7.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 3.28% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | 735.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 15.43% |
| Net interest margin | 3.17% |
| Efficiency ratio | 62.59% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.01% |
| Core deposits to total deposits | 90.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.04% |
| Securities to assets | 32.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.76% | 1.19% | 2.65% | 0.02% | -0.00% |
| Q4 2023 | 9.65% | 1.01% | 2.52% | 0.03% | -0.03% |
| Q1 2024 | 9.46% | 0.98% | 2.47% | 0.24% | -0.05% |
| Q2 2024 | 9.90% | 1.04% | 2.62% | 0.25% | 0.00% |
| Q3 2024 | 10.10% | 1.01% | 2.58% | 0.23% | 0.03% |
| Q4 2024 | 10.20% | 1.06% | 2.64% | 0.22% | -0.02% |
| Q1 2025 | 10.31% | 1.29% | 2.74% | 0.22% | 0.00% |
| Q2 2025 | 10.69% | 1.29% | 2.96% | 0.24% | -0.06% |
| Q3 2025 | 11.09% | 1.16% | 3.03% | 0.24% | 0.00% |
| Q4 2025 | 11.61% | 1.40% | 3.13% | 0.20% | -0.02% |
| Q1 2026 | 11.23% | 1.30% | 3.05% | 0.31% | 0.00% |
| Q2 2026 | 11.18% | 1.18% | 3.17% | 0.22% | -0.06% |
Jones Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jones Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Jones Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5473) · FFIEC NIC profile (RSSD 469559)