TellerScore

Jonesburg State Bank (FDIC certificate #8896) is based in Jonesburg, Missouri. Its Q2 2026 call report shows $145.6M in total assets and $125.4M in deposits and 3 offices.

Jonesburg State Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 43rd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (49/100, 9.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.95%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.49%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 84.9% · 9.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (76 → 81), mostly because the capital cushion component improved by 14 points.

TellerScore
767981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202480
Q4 202478
Q1 202579
Q2 202576
Q3 202579
Q4 202580
Q1 202681
Q2 202681
Tier 1 leverage ratio
5.00%7.47%9.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.78%
Q3 20249.19%
Q4 20248.87%
Q1 20259.03%
Q2 20258.52%
Q3 20259.30%
Q4 20259.40%
Q1 20269.79%
Q2 20269.95%
Noncurrent loans
0.00%0.00%0.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
2.02%2.30%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.07%
Q3 20242.13%
Q4 20242.02%
Q1 20252.45%
Q2 20252.59%
Q3 20252.55%
Q4 20252.36%
Q1 20262.54%
Q2 20262.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$145.6M9.95%0.00%2.49%84.9%
Q1 202681$142.5M9.79%0.00%2.54%85.8%
Q4 202580$139.2M9.40%0.00%2.36%84.5%
Q3 202579$140.8M9.30%0.00%2.55%84.7%
Q2 202576$137.5M8.52%0.00%2.59%87.4%
Q1 202579$135.7M9.03%0.00%2.45%80.7%
Q4 202478$133.9M8.87%0.00%2.02%83.0%
Q3 202480$133.2M9.19%0.00%2.13%80.7%
Q2 202479$132.5M8.78%0.00%2.07%78.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.95%
30th
Total risk-based capital16.18%
74th
Problem loans0.00%
94th
Net charge-offs0.00%
53rd
Return on assets2.49%
95th
Net interest margin4.84%
89th
Efficiency ratio50.8%
82nd
Loans to deposits84.9%
38th
Uninsured deposits9.8%
94th
Loan-loss reserves1.04%
31st
Texas ratio0.0%
95th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Alton BankBank Alton, MO63 out of 100, Moderate$145.0M8.0%0.52%vs
Independent Farmers BankBank Maysville, MO71 out of 100, Strong$146.5M10.5%0.66%vs
Security Bank of Southwest MissouriBank Cassville, MO68 out of 100, Moderate$146.8M12.7%2.18%vs
Bank of SalemBank Salem, MO65 out of 100, Moderate$147.0M9.5%0.71%vs
Community Bank of El Dorado SpringsBank El Dorado Springs, MO98 out of 100, Very strong$143.6M16.6%0.09%vs
First Independent BankBank Aurora, MO74 out of 100, Strong$147.6M11.6%1.00%vs

Deposit insurance

Is my money safe at Jonesburg State Bank?

Yes. Jonesburg State Bank is an FDIC-insured institution (FDIC certificate #8896). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.8% of deposits ($12.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.18% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Jonesburg State Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jonesburg State Bank
Type
State-chartered bank
FDIC certificate #
8896
RSSD ID
733755
Primary regulator
FDIC
Holding company
Montgomery Bancshares Inc
Established
February 21, 1921
Headquarters
110 1st St, Jonesburg, MO 63351
Employees
23

Quick answers

Jonesburg State Bank: common questions

Is Jonesburg State Bank FDIC insured?

Yes. Jonesburg State Bank is an FDIC-insured institution (FDIC certificate #8896). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Jonesburg State Bank's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Jonesburg State Bank ever failed?

There is no failure record for FDIC certificate #8896 in the FDIC failed bank list.

How many branches does Jonesburg State Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jonesburg

InstitutionScoreAssetsCapitalProblem loansCompare
The Missouri BankBank Warrenton, MO88 out of 100, Very strong$461.5M12.6%0.13%vs
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
The Bank of Old MonroeBank Old Monroe, MO81 out of 100, Strong$994.6M10.5%0.00%vs
Silex Banking CompanyBank Silex, MO81 out of 100, Strong$98.2M14.7%0.91%vs
Community State Bank of MissouriBank Bowling Green, MO80 out of 100, Strong$333.9M11.0%0.26%vs