TellerScore

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania is a state-chartered bank headquartered in Jonestown, Pennsylvania, in business for about 153 years. At the end of Q2 2026 it reported $1.0B in total assets and $834.8M in deposits, with 14 offices.

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 28th. Problem-loan coverage contributes the most (100/100, 0.1%); capital cushion contributes the least (52/100, 10.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.24%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings77/100
Return on assets (annualized): 1.41%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 97.7% · 17.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.14%

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 7 points (68 → 75), mostly because the earnings component improved by 24 points.

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202467
Q1 202566
Q2 202568
Q3 202569
Q4 202570
Q1 202673
Q2 202675
Tier 1 leverage ratio
5.00%7.62%10.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.34%
Q3 20249.50%
Q4 20249.58%
Q1 20259.56%
Q2 20259.56%
Q3 20259.72%
Q4 20259.88%
Q1 202610.14%
Q2 202610.24%
Noncurrent loans
0.02%0.08%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.09%
Q4 20240.14%
Q1 20250.11%
Q2 20250.07%
Q3 20250.08%
Q4 20250.09%
Q1 20260.05%
Q2 20260.02%
Return on assets
0.74%1.07%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.88%
Q4 20240.85%
Q1 20250.74%
Q2 20250.83%
Q3 20251.01%
Q4 20251.06%
Q1 20261.30%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.0B10.24%0.02%1.41%97.7%
Q1 202673$1.0B10.14%0.05%1.30%94.7%
Q4 202570$988.7M9.88%0.09%1.06%96.6%
Q3 202569$979.4M9.72%0.08%1.01%97.1%
Q2 202568$975.0M9.56%0.07%0.83%96.0%
Q1 202566$968.6M9.56%0.11%0.74%95.4%
Q4 202467$952.1M9.58%0.14%0.85%96.1%
Q3 202468$933.2M9.50%0.09%0.88%97.5%
Q2 202466$917.8M9.34%0.14%0.80%100.0%

897 peers · $1 billion – $10 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 ratio10.24%
44th
Total risk-based capital0.00%
13th
Problem loans0.02%
94th
Net charge-offs0.10%
30th
Return on assets1.41%
63rd
Net interest margin4.30%
81st
Efficiency ratio60.1%
47th
Loans to deposits97.7%
20th
Uninsured deposits17.7%
87th
Loan-loss reserves1.21%
60th
Texas ratio0.1%
94th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings and Loan Association of Greene CoBank Waynesburg, PA78 out of 100, Strong$1.0B15.4%0.54%vs
Brentwood BankBank Bethel Park, PA53 out of 100, Below average$1.0B9.8%0.75%vs
American BankBank Allentown, PA72 out of 100, Strong$1.1B10.6%0.00%vs
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
The Dime BankBank Honesdale, PA70 out of 100, Strong$1.2B11.7%1.30%vs

Deposit insurance

Is my money safe at Jonestown Bank and Trust Company, of Jonestown, Pennsylvania?

Yes. Jonestown Bank and Trust Company, of Jonestown, Pennsylvania is an FDIC-insured institution (FDIC certificate #10677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.7% of deposits ($148.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania lists 11 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Jonestown Bank and Trust Company, of Jonestown, Pennsylvania reported 157 home-loan applications under HMDA (LEI 549300P7T76AWIP6QL35): 129 originated ($39,665,000 total), 15 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
Type
State-chartered bank
FDIC certificate #
10677
RSSD ID
653611
Primary regulator
FDIC
Holding company
Jbt Bcorp Inc
Established
January 1, 1873
Headquarters
2 W Market St, Jonestown, PA 17038
Employees
159

Quick answers

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania: common questions

Is Jonestown Bank and Trust Company, of Jonestown, Pennsylvania FDIC insured?

Yes. Jonestown Bank and Trust Company, of Jonestown, Pennsylvania is an FDIC-insured institution (FDIC certificate #10677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Jonestown Bank and Trust Company, of Jonestown, Pennsylvania's TellerScore?

75 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 Jonestown Bank and Trust Company, of Jonestown, Pennsylvania ever failed?

There is no failure record for FDIC certificate #10677 in the FDIC failed bank list.

How many branches does Jonestown Bank and Trust Company, of Jonestown, Pennsylvania have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jonestown

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
Hidden River Credit UnionCredit union Pottsville, PA73 out of 100, Strong$258.8M9.3%0.31%vs
Belco Community Credit UnionCredit union Harrisburg, PA72 out of 100, Strong$974.4M10.7%0.56%vs