Jonestown Bank and Trust Company of Jonestown, Pennsylvania: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jonestown Bank and Trust Company of Jonestown, Pennsylvania of Jonestown, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.51% | 1.46% | +0.05% | 67th above |
| ROAE | 14.98% | 12.72% | +2.26% | 70th above |
| Net Interest Margin | 4.33% | 3.85% | +0.48% | 84th top |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.56% | 57.41% | +1.15% | 50th above |
| PPNR / Avg Assets | 1.97% | 1.88% | +0.09% | 67th above |
| Yield on Earning Assets | 5.85% | 5.72% | +0.13% | 68th above |
| Cost of Funds | 1.64% | 2.02% | -0.38% | 73rd above |
| Net Interest Spread | 3.88% | 3.18% | +0.70% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 1.00% | -0.99% | 96th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 95th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.31% | -0.10% | 60th above |
| ACL / NPLs (Coverage) | 12181.71% | 538.72% | +11642.99% | — |
| Texas Ratio | 0.14% | 7.39% | -7.25% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 164.71% | 618.81% | -454.10% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.24% | 11.44% | -1.20% | 44th below |
| Equity / Assets | 10.29% | 11.34% | -1.05% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.29% | 10.50% | -0.21% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.94% | 86.95% | +11.99% | 20th bottom |
| Core Deposit Ratio | 95.74% | 85.55% | +10.19% | 89th top |
| Wholesale Funding Ratio | 5.77% | 5.70% | +0.07% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.09% | 9.68% | -6.59% | 35th below |
| Loan Growth (Y/Y) | 2.86% | 8.06% | -5.20% | 33rd below |
| Deposit Growth (Y/Y) | 1.03% | 7.87% | -6.84% | 24th bottom |
See Jonestown Bank and Trust Company of Jonestown, Pennsylvania's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jonestown Bank and Trust Company of Jonestown, Pennsylvania, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Jonestown Bank and Trust Company of Jonestown, Pennsylvania profile, how to read a UBPR, or how this data updates.