Jonesboro State Bank
Jonesboro, LA·RSSD 121651·FDIC 9325·bank:121651·Risk-based ratios where reported
- #12 of 104Total assets in Louisiana
- 1offices
- 20employees
- Top 2%Efficiency in the U.S.
- #9 of 101Deposit growth in Louisiana
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Jonesboro State Bank
9 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter1.87%peers 3.82%-194 bps
Jonesboro State Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 1.87% | 3.82% | -194 bps |
| Cost of all deposits | ||
| 3.68% | 1.93% | +176 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Jonesboro State Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-34.3%peers +5.8%-40.1 pp
Jonesboro State Bank's loans declined 34.3% over the past year to $75.9 million. The median among 624 similar banks was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -34.3% | +5.8% | -40.1 pp |
| Loans | ||
| $75.9 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Jonesboro State Bank itself is left out of every peer median and percentile. How signals work
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.68%peers 1.93%+176 bps
Jonesboro State Bank's cost of all deposits was 3.68%, compared with a median of 1.93% among 625 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.68% | 1.93% | +176 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Jonesboro State Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality3.84%peers 0.02%+382 bps
Jonesboro State Bank's annualized net charge-off rate fell 137 bps over the past year to 3.84%. Among 623 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 3.84% | 0.02% | +382 bps |
| 12-month change | ||
| -137 bps | 0 bps | -137 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Jonesboro State Bank itself is left out of every peer median and percentile. How signals work
Unrealized securities position improving faster than peersStrength: Capital 2nd quarter-19.4%peers -7.2%-12.3 pp
Jonesboro State Bank's unrealized securities gain or loss relative to Tier 1 capital rose 11.2 percentage points over the past year to -19.4%. Among 628 similar banks, the median rose 2.5 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -19.4% | -7.2% | -12.3 pp |
| 12-month change | ||
| +11.2 pp | +2.5 pp | +8.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Jonesboro State Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Net interest margin narrowing while the peer median widensEarnings
- Return on assets rising faster than peersEarnings
- Deposit costs rising while the peer median fallsFunding
- C&I lending shrinking while the peer median growsLending
Key facts
- Jonesboro State Bank is a bank headquartered in Jonesboro, Louisiana. It reported $1.3 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.2 billion, up 13.5% from a year earlier, and loans totaled $75.9 million, down 34.3%.
- Its net interest margin was 1.87% and its annualized return on assets was 1.82% for the quarter.
- Its cost of all deposits was 3.68%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Jonesboro State Bank's own data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Jonesboro State Bank · Bank
- Federal Reserve RSSD
- 121651
- FDIC certificate
- 9325
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Jonesboro State Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $5.84M | — | |
| $17.03M | — | |
| $11.08M | — | |
| $5.95M | — | |
| $3.13M | — | |
| $2.92M | — | |
| $393K | — | |
| $403K | — | |
| 1.82% | 1.81%ROAQ · Quarter | |
| 1.87% | 1.87%NIMYQ · Quarter | |
| 32.21% | 32.21%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.