Jonesboro State Bank
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Data as of · sourced from FFIEC call reports. How we update
Jonesboro State Bank is an FDIC-insured commercial bank headquartered in Jonesboro, LA, established in 1913 (FDIC certificate 9325), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.30B, up 14.8% from Q2 2025, the 12th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 18.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9325
- Headquarters
- Jonesboro, LA
- Established
- 1913
- Total assets, Q2 2026
- $1.30B
- Assets vs Q2 2025
- +14.8%
- CET1 ratio, Q2 2026
- 18.70%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111102813
- Latest call report
- Q2 2026, FFIEC 051 · Jonesboro State Bank call report
- Holding company
- JONESBORO BANCSHARES, INC.
- Asset rank in state
- 12th of 102 in Louisiana
Problem loans are rising at Jonesboro State Bank. It reported $1.3 billion in assets at June 30, 2026, up 14.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.64% of loans from 1.04% a year earlier. It returns 29.1% a year on shareholders' equity, 2.3 times the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 29 cents to bring in each dollar of revenue, about half the median of 58 cents for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 34.3% and deposits rose 13.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $19 million equal 19% of Tier 1 capital, down from 31% a year earlier. Its margin is thin by comparison: it keeps 2.17 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, Jonesboro State Bank reported a CET1 capital ratio of 18.70%, a return on assets of 1.80%, a nonperforming-loan ratio of 1.64% and a Texas ratio of 1.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Jonesboro State Bank is the 12th largest of the 102 banks headquartered in Louisiana. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $1.30B, loans fell 4.8% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by other consumer loans, at 42.6% of total loans, followed by 1-4 family residential loans at 16.5%. The FDIC Summary of Deposits lists a single office for it, in Jonesboro, LA. Judged on its Q2 2026 call report, Jonesboro State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 109 Jimmie Davis Blvd, Jonesboro, LA 71251
- County
- Jackson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $1.30B
- Average total loans
- $77.1M
- Average interest-bearing deposits
- $1.18B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9325
- Fed RSSD
- 121651
- SEC CIK
- 1798128 → filed by JONESBORO BANCSHARES, INC.
- Website
- www.jonesborostatebank.com →
- Parent Holding Company
- JONESBORO BANCSHARES, INC. (RSSD 5211708)
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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Jonesboro State Bank's total assets ranged from $686.3M (Q3 2023) to $1.30B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.30B total assets against $1.13B; $1.21B total liabilities against $1.07B.
$74.4M net loans and leases against $111.3M; $1.21B total deposits against $1.06B.
$1.16B securities against $993.5M; $40.4M cash and balances due against $11.4M.
$17.0M total interest income against $16.8M; $11.1M total interest expense against $9.1M.
$5.9M net interest income against $7.7M.
$3.1M total noninterest income against -$1.5M; $2.9M total noninterest expense against $2.1M.
$403K provision for credit losses against $395K.
$5.8M net income against $1.3M.
1.80% return on assets against 0.47%; 2.17% net interest margin against 2.72%.
18.70% CET1 capital ratio against 20.72%; 7.67% tier 1 leverage ratio against 7.19%.
Inside the full Jonesboro State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJonesboro State Bank rankings
Its closest position to the top of a national ranking is 37 of 3,606, for efficiency ratio; its furthest is 958 of 980, for uninsured deposits.
Metric pages for Jonesboro State Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.51% (Q3 2024) to 3.11% (Q4 2024) and its net interest margin ran from 2.14% (Q4 2025) to 3.78% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.70% | 1.80% | 1.64% | 1.42% | 2.17% |
| Q1 2026 | 20.69% | 1.92% | 2.11% | 2.21% | 2.17% |
| Q4 2025 | 22.17% | 0.79% | 1.24% | 1.39% | 2.14% |
| Q3 2025 | 20.94% | 1.04% | 1.02% | 1.38% | 2.68% |
| Q2 2025 | 20.72% | 0.47% | 1.04% | 1.86% | 2.72% |
| Q1 2025 | 20.00% | 0.21% | 0.94% | 1.94% | 3.07% |
| Q4 2024 | 19.29% | 3.11% | 1.09% | 3.16% | 3.32% |
| Q3 2024 | 19.76% | -0.51% | 1.18% | 3.40% | 3.78% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Jonesboro State Bank (main office) | Jonesboro , LA | 71251 | $1.21B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in LA, rank 17 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $85K approved, $85K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 Jonesboro State Bank
What are Jonesboro State Bank's total assets?
As of the Q2 2026 filing, Jonesboro State Bank reported total assets of $1.30 billion in its FFIEC call report.
Where is Jonesboro State Bank headquartered?
It is headquartered in Jonesboro, LA, United States.
When was Jonesboro State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Jonesboro State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9325). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jonesboro State Bank?
Jonesboro State Bank's primary federal regulator is the FDIC.
What is Jonesboro State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Jonesboro State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jonesboro State Bank's Texas Ratio?
Its Texas Ratio is 1.42% 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.
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