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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Seward, NE · FDIC certificate #5473
JONES BANK is an FDIC-insured institution based in Seward, NE (FDIC certificate #5473). In its Q3 2026 Call Report it reported total assets of $437M, total deposits of $372M and net loans of $251M. Its primary federal regulator is FED.
Plain-language readout
JONES BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $441M in Q2 2026 and were lowest at $437M in Q3 2026.
Total deposits were highest at $372M in Q3 2026 and lowest at $370M in Q1 2026.
Over the whole period total assets fell 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $437M | $372M | $251M | 1.31% | 16.47% | 3.19% |
| Q2 2026 | $441M | $371M | $252M | 1.30% | 15.98% | 3.16% |
| Q1 2026 | $438M | $370M | $245M | 1.36% | 16.62% | 3.10% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $32.9M | $32.9M | -$27K | -0.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $141.3M | $146.1M | -$4.7M | -3.3% |
| Equity securities with readily determinable fair values, not held for trading | $218K | $166K | +$52K | +31.3% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $251.7M | $244.6M | +$7.0M | +2.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.3M | $4.4M | -$21K | -0.5% |
| Other real estate owned | $215K | $0K | +$215K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $3.1M | $3.1M | $0K | 0.0% |
| All other assets | $7.4M | $7.1M | +$311K | +4.4% |
| Total assets | $441.2M | $438.4M | +$2.8M | +0.6% |
| Liabilities | ||||
| Total deposits | $370.8M | $369.5M | +$1.3M | +0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $18.0M | $17.4M | +$600K | +3.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $15.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.5M | +$140K | +9.6% |
| Total liabilities | $405.4M | $403.4M | +$2.0M | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $32.6M | $32.6M | $0K | 0.0% |
| Retained earnings | $21.6M | $20.5M | +$1.1M | +5.4% |
| Accumulated other comprehensive income | -$18.6M | -$18.3M | -$305K | -1.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $35.8M | $35.0M | +$808K | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $781K | +$426K | +54.5% |
| Adjusted nonperforming assets | $1.2M | $781K | +$426K | +54.5% |
| Tangible equity plus allowance | $36.8M | $36.0M | +$847K | +2.4% |
| Texas ratio (gross) | 3.28% | 2.17% | +1.11 pts | See points |
| Texas ratio (adjusted) | 3.28% | 2.17% | +1.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.28% | 2.17% | +1.11 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.18% | 11.23% | -0.05 pts | See points |
| Construction and land loans to total capital | 28.53% | 34.88% | -6.35 pts | See points |
| Commercial real estate to total capital | 82.45% | 86.29% | -3.84 pts | See points |
| Dividend payout, year to date | 86.79% | 150.79% | -64.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -36.30% | -36.50% | +0.20 pts | See points |
| Liquidity | ||||
| Core deposits | $336.5M | $338.8M | -$2.3M | -0.7% |
| Non-core funding | $67.3M | $63.1M | +$4.1M | +6.5% |
| Loans to core deposits | 76.03% | 73.44% | +2.60 pts | See points |
| Loans to deposits | 69.01% | 67.33% | +1.68 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 71.67% | 72.72% | -1.05 pts | See points |
| Loans pledged, share of loans | 30.94% | 29.44% | +1.50 pts | See points |
| Volatile liabilities | $67.3M | $63.1M | +$4.1M | +6.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.9M | $1.5M | +$1.3M | +88.1% |
| Earnings before provision, single quarter | $1.3M | $1.5M | -$181K | -11.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.48% | 6.50% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 2.64% | +1.02 pts | See points |
| Total interest income to average assets | 4.66% | 4.58% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.53% | 0.48% | +0.05 pts | See points |
| Cost of savings and money market deposits | 1.38% | 1.48% | -0.10 pts | See points |
| Cost of time deposits | 3.81% | 3.85% | -0.04 pts | See points |
| Total interest expense to average assets | 1.73% | 1.75% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $437M | $372M | $251M | 1.31% | 16.47% | 3.19% |
| 2026-06-30 | $441M | $371M | $252M | 1.30% | 15.98% | 3.16% |
| 2026-03-31 | $438M | $370M | $245M | 1.36% | 16.62% | 3.10% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $361.4M | 0.39% | 52 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.