Bank Safety Analysis
Is Jonestown Bank and Trust Company of Jonestown, Pennsylvania Safe? Jonestown, Pennsylvania
Based on its Q3 2026 call report, Jonestown Bank and Trust Company of Jonestown, Pennsylvania meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.38%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Jonestown Bank and Trust Company of Jonestown, Pennsylvania safe?
On its Q3 2026 call report, Jonestown Bank and Trust Company of Jonestown, Pennsylvania's Community Bank Leverage Ratio is 10.51%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 10.51%
- Texas ratio (Q3 2026): 0.38%
- Noncurrent loans ratio (Q3 2026): 0.05%
Jonestown Bank and Trust Company of Jonestown, Pennsylvania is an FDIC-insured commercial bank (FDIC Certificate #10677). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Jonestown Bank and Trust Company of Jonestown, Pennsylvania (FDIC Certificate #10677) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Jonestown Bank and Trust Company of Jonestown, Pennsylvania passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital.
Return on assets fell 0.13 percentage points from Q2 2026 to Q3 2026, ending at 1.38% against 1.51%. It was the largest change among the key lines on this page. Jonestown Bank and Trust Company of Jonestown, Pennsylvania ranks 54th of 109 Pennsylvania banks on leverage ratio, in the upper half at 10.51% (Q3 2026). At 10.51%, Jonestown Bank and Trust Company of Jonestown, Pennsylvania's leverage ratio is close to the 10.54% median for banks in the $1B-10B asset tier (Q3 2026).
From Q4 2023 to Q3 2026, Jonestown Bank and Trust Company of Jonestown, Pennsylvania's Texas ratio ranged between 0.14% (Q2 2026) and 1.14% (Q2 2024). Between Q3 2025 and Q3 2026, Jonestown Bank and Trust Company of Jonestown, Pennsylvania's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.08% to 0.05%, Texas ratio fell from 0.63% to 0.38% and return on assets rose from 1.36% to 1.38%.
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. Auto loans are its largest loan category, $252.6M of $842.1M in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Jonestown Bank and Trust Company of Jonestown, Pennsylvania's community bank leverage ratio of 10.51% is below the 10.54% median, nonperforming loans ratio of 0.05% is below the 0.54% median, Texas ratio of 0.38% is below the 3.95% median, and efficiency ratio of 59.28% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Jonestown Bank and Trust Company of Jonestown, Pennsylvania's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Jonestown Bank and Trust Company of Jonestown, Pennsylvania score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Jonestown Bank and Trust Company of Jonestown, Pennsylvania trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.38% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.05% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 101.24% | Flagged |
| Commercial real estate to capital BankRegReports band | 240.77% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.38% |
| Q2 2026 | 0.14% |
| Q1 2026 | 0.38% |
| Q4 2025 | 0.65% |
| Q3 2025 | 0.63% |
| Q2 2025 | 0.54% |
| Q1 2025 | 0.86% |
| Q4 2024 | 1.14% |
| Q3 2024 | 0.73% |
| Q2 2024 | 1.14% |
| Q1 2024 | 0.80% |
| Q4 2023 | 0.78% |
Loans by type, Q3 2026
- Auto loans: $252.6M
- 1-4 family residential loans: $212.0M
- Non-owner-occupied commercial real estate loans: $199.9M
- Construction and land development loans: $41.1M
- Owner-occupied commercial real estate loans: $40.5M
- Multifamily loans: $39.0M
- Commercial and industrial loans: $29.6M
- Loans to states and political subdivisions: $10.5M
How have Jonestown Bank and Trust Company of Jonestown, Pennsylvania's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $1.01B | 10.51% | 0.05% | 0.38% | 59.28% |
| Jun 30, 2026 | $1.01B | 10.24% | 0.02% | 0.14% | 58.56% |
| Mar 31, 2026 | $1.00B | 10.14% | 0.05% | 0.38% | 61.34% |
| Dec 31, 2025 | $988.7M | 9.88% | 0.09% | 0.65% | 59.03% |
| Sep 30, 2025 | $979.4M | 9.72% | 0.08% | 0.63% | 55.54% |
| Jun 30, 2025 | $975.0M | 9.56% | 0.07% | 0.54% | 65.21% |
| Mar 31, 2025 | $968.6M | 9.56% | 0.11% | 0.86% | 68.27% |
| Dec 31, 2024 | $952.1M | 9.58% | 0.14% | 1.14% | 70.25% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Jonestown Bank and Trust Company of Jonestown, Pennsylvania FDIC insured?
Yes. Jonestown Bank and Trust Company of Jonestown, Pennsylvania is an FDIC-insured commercial bank (FDIC Certificate #10677). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Jonestown Bank and Trust Company of Jonestown, Pennsylvania well capitalized?
On its Q3 2026 call report, Jonestown Bank and Trust Company of Jonestown, Pennsylvania's Community Bank Leverage Ratio is 10.51%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Jonestown Bank and Trust Company of Jonestown, Pennsylvania's key safety ratios?
For Q3 2026, Jonestown Bank and Trust Company of Jonestown, Pennsylvania reports leverage 10.51%, Texas ratio 0.38%, noncurrent loans 0.05%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Jonestown Bank and Trust Company of Jonestown, Pennsylvania fails?
For Q3 2026, Jonestown Bank and Trust Company of Jonestown, Pennsylvania reported $831.8M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Jonestown Bank and Trust Company of Jonestown, Pennsylvania profile.
How we score this
Jonestown Bank and Trust Company of Jonestown, Pennsylvania elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Jonestown Bank and Trust Company of Jonestown, Pennsylvania is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 10677) · FFIEC NIC profile (RSSD 653611)
Explore: Full Jonestown Bank and Trust Company of Jonestown, Pennsylvania profile · Other banks in PA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.