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Jones Bank
Seward, NE · FDIC Certificate #5473 · Chartered 10/0
Total assets
$441.17M
Total deposits
$370.78M
Total equity
$35.77M
Net loans
$251.69M
Branches (offices)
3
Net income (YTD)
$2.82M
Rank: #1,942 of 4,213 U.S. banks by assets · #46 of 138 in Nebraska. Assets changed 3.6% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 15.98% |
| Net interest margin (YTD) | 3.16% |
| Equity to assets | 8.11% |
| Tier 1 leverage ratio | 11.18% |
| Uninsured deposits (share of deposits) | 18.6% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 67.9% |
| Real estate loans (share of loans) | 62.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $157.55M | 62.6% | |
| Commercial & industrial | $28.56M | 11.3% | |
| Consumer / individual | $4.87M | 1.9% | |
| Construction & development | $15.81M | 6.3% | |
| Agricultural | $59.57M | 23.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $397.62M | $352.60M | $2.60M | $18.77M |
| Jun 2023 | $412.92M | $350.49M | $2.51M | $19.03M |
| Jun 2024 | $436.11M | $346.48M | $2.37M | $24.68M |
| Jun 2025 | $425.69M | $361.44M | $2.96M | $26.92M |
| Jun 2026 | $441.17M | $370.78M | $2.82M | $35.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $370.78M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $370.78M.
Similar-sized banks
Community State Bank ($441.88M) · Spring Bank ($440.73M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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