Jonestown Bank and Trust Company of Jonestown, Pennsylvania
Jonestown Bank and Trust Company of Jonestown, Pennsylvania is an FDIC-insured commercial bank headquartered in Jonestown, PA, supervised by the FDIC, with $1.01B in total assets at Q3 2026, up 3.1% from Q3 2025, the 46th largest of 109 banks headquartered in Pennsylvania. It was established in 1873 and holds FDIC certificate 10677. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.51% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as JB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10677
- Headquarters
- Jonestown, PA
- Established
- 1873
- Total assets, Q3 2026
- $1.01B
- Assets vs Q3 2025
- +3.1%
- Tier 1 leverage ratio, Q3 2026
- 10.51%
- Domestic offices
- 14 branches
- Routing number
- 031312055
- Safety and soundness
- Is Jonestown Bank and Trust Company of Jonestown, Pennsylvania safe?
- Latest call report
- Q3 2026, FFIEC 051 · Jonestown Bank and Trust Company of Jonestown, Pennsylvania call report
- Holding company
- JBT BANCORP INC
- Asset rank in state
- 46th of 109 in Pennsylvania
Jonestown Bank and Trust Company of Jonestown, Pennsylvania, based in Jonestown, Pennsylvania, reported $1.0 billion in assets at September 30, 2026, up 3.1% from a year earlier. It carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 3.9% for the 887 banks with $1 billion to $10 billion in assets. It also keeps 4.36 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.80 cents).
Loans are outrunning deposits: over the year loans rose 3.8% and deposits rose 0.7%.
As of September 30, 2026, Jonestown Bank and Trust Company of Jonestown, Pennsylvania reported a return on assets of 1.38%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.38%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Jonestown Bank and Trust Company of Jonestown, Pennsylvania is the 46th largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 0.4% to $1.01B, loans rose 1.9% and deposits fell 0.4%. The largest part of its loan book on September 30, 2026 was auto loans, at 30.0% of total loans, ahead of 1-4 family residential loans at 25.2%. Its 13 offices in the FDIC Summary of Deposits are in 11 cities in PA; its Lebanon 3 offices book 29% of its branch deposits. On its Q3 2026 call report, Jonestown Bank and Trust Company of Jonestown, Pennsylvania meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 W Market St, Jonestown, PA 17038
- County
- Lebanon
- Metro Area
- Lebanon, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- 1873
- Domestic offices
- 14 branches
- Employees (FTE)
- 164
- Domestic deposits
- $831.8M
- Allowance for credit losses
- $10.2M
- Net charge-offs (YTD)
- $775K
- Average total assets
- $1.01B
- Average total loans
- $835.6M
- Average interest-bearing deposits
- $694.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10677
- Fed RSSD
- 653611
- Website
- www.jbt.bank →
- Parent Holding Company
- JBT BANCORP INC (RSSD 5557983)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Jonestown Bank and Trust Company of Jonestown, Pennsylvania: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Jonestown Bank and Trust Company of Jonestown, Pennsylvania reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Jonestown Bank and Trust Company of Jonestown, Pennsylvania's total assets moved between a low of $894.6M (Q4 2023) and a high of $1.01B (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.01B total assets against $979.4M; $904.5M total liabilities against $883.7M.
$831.9M net loans and leases against $802.1M; $831.8M total deposits against $826.4M.
$46.2M securities against $46.6M; $89.2M cash and balances due against $88.6M.
$14.4M total interest income against $13.5M; $3.8M total interest expense against $4.3M.
$10.5M net interest income against $9.2M.
$1.7M total noninterest income against $3.2M; $7.3M total noninterest expense against $6.9M.
$629K provision for credit losses against $627K.
$3.5M net income against $3.3M.
1.38% return on assets against 1.36%; 4.36% net interest margin against 3.93%.
10.51% tier 1 leverage ratio against 9.72%.
Inside the full Jonestown Bank and Trust Company of Jonestown, Pennsylvania terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Jonestown Bank and Trust Company of Jonestown, Pennsylvania rankings
Its closest position to the top of a national ranking is 1,039 of 4,193, for total assets; its furthest is 3,064 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.74% (Q1 2025) to 1.51% (Q2 2026) and its net interest margin ran from 3.71% (Q1 2025) to 4.36% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 10.51% | 1.38% | 0.05% | 0.38% | 4.36% |
| Q2 2026 | 10.24% | 1.51% | 0.02% | 0.14% | 4.33% |
| Q1 2026 | 10.14% | 1.31% | 0.05% | 0.38% | 4.16% |
| Q4 2025 | 9.88% | 1.20% | 0.09% | 0.65% | 4.18% |
| Q3 2025 | 9.72% | 1.36% | 0.08% | 0.63% | 3.93% |
| Q2 2025 | 9.56% | 0.93% | 0.07% | 0.54% | 3.88% |
| Q1 2025 | 9.56% | 0.74% | 0.11% | 0.86% | 3.71% |
| Q4 2024 | 9.58% | 0.79% | 0.14% | 1.14% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown , PA | 17038 | $167.1M |
| Quentin Road Branch | Lebanon , PA | 17042 | $106.0M |
| Northside Commons Branch | Palmyra , PA | 17078 | $93.5M |
| East Penn Avenue Branch | Cleona , PA | 17042 | $82.4M |
| Lebanon Office Branch | Lebanon , PA | 17046 | $69.8M |
| North Lebanon Township Drive Thru Branch | Lebanon , PA | 17046 | $62.7M |
| Grantville Branch | Grantville , PA | 17028 | $62.4M |
| Ephrata Branch | Ephrata , PA | 17522 | $57.5M |
| Newmanstown Branch | Newmanstown , PA | 17073 | $36.1M |
| Manheim Branch | Manheim , PA | 17545 | $32.7M |
| Lititz | Lititz , PA | 17543 | $27.3M |
| Robesonia | Robesonia , PA | 19551 | $19.1M |
| Cornwall Manor Branch | Cornwall , PA | 17016 | $18.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in PA, rank 60 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 157 applications, 129 loans originated, $39.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $170K approved, $42K average. 25.00% 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, 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 Jonestown Bank and Trust Company of Jonestown, Pennsylvania
What are Jonestown Bank and Trust Company of Jonestown, Pennsylvania's total assets?
As of the Q3 2026 filing, Jonestown Bank and Trust Company of Jonestown, Pennsylvania reported total assets of $1.01 billion in its FFIEC call report.
Where is Jonestown Bank and Trust Company of Jonestown, Pennsylvania headquartered?
It is headquartered in Jonestown, PA, United States.
When was Jonestown Bank and Trust Company of Jonestown, Pennsylvania founded?
It was established in 1873, per the FDIC institution directory.
Is Jonestown Bank and Trust Company of Jonestown, Pennsylvania FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jonestown Bank and Trust Company of Jonestown, Pennsylvania?
Jonestown Bank and Trust Company of Jonestown, Pennsylvania's primary federal regulator is the FDIC.
How many branches does Jonestown Bank and Trust Company of Jonestown, Pennsylvania operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jonestown Bank and Trust Company of Jonestown, Pennsylvania's Texas Ratio?
Its Texas Ratio is 0.38% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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