Jonesboro State 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.81 percentage points higher than in Q1 2026, at 78.46%. Within Louisiana, Jonesboro State Bank is 17th of 103 on return on assets, 1.80% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Jonesboro State Bank sits 0.52 points higher, at 1.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.70% |
| Tier 1 risk-based capital ratio | 18.70% |
| Total risk-based capital ratio | 18.99% |
| Tier 1 leverage ratio | 7.67% |
| Equity capital to assets | 6.63% |
| Tangible equity to tangible assets | 6.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.59% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 3.87% |
| Texas ratio | 2.53% |
| Allowance for credit losses to loans | 2.03% |
| Reserve coverage of non-performing loans | 78.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 29.10% |
| Net interest margin | 2.17% |
| Efficiency ratio | 28.66% |
| Yield on earning assets | 5.58% |
| Cost of funds | 3.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 6.29% |
| Core deposits to total deposits | 9.60% |
| Brokered deposits to total deposits | 89.28% |
| Deposits to assets | 92.96% |
| Securities to assets | 89.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.45% | 21.45% | 22.73% | 10.11% | 1.96% |
| Q4 2023 | 19.14% | 19.14% | 20.41% | 8.78% | -1.86% |
| Q1 2024 | 20.04% | 20.04% | 21.31% | 8.34% | 0.43% |
| Q2 2024 | 20.41% | 20.41% | 21.67% | 8.67% | 1.55% |
| Q3 2024 | 19.76% | 19.76% | 21.01% | 8.46% | -0.51% |
| Q4 2024 | 19.29% | 19.29% | 20.55% | 8.57% | 3.11% |
| Q1 2025 | 20.00% | 20.00% | 21.25% | 8.00% | 0.21% |
| Q2 2025 | 20.72% | 20.72% | 21.78% | 7.19% | 0.47% |
| Q3 2025 | 20.94% | 20.94% | 21.75% | 7.39% | 1.04% |
| Q4 2025 | 22.17% | 22.17% | 22.80% | 7.07% | 0.79% |
| Q1 2026 | 20.69% | 20.69% | 21.11% | 7.26% | 1.92% |
| Q2 2026 | 18.70% | 18.70% | 18.99% | 7.67% | 1.80% |
Jonesboro State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonesboro State 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 Jonesboro State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9325) · FFIEC NIC profile (RSSD 121651)