# JONES BANK
SEWARD, NE · FDIC certificate 5473 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $441.2M | |
| Deposits | $370.8M | |
| Loans and leases | $255.9M | |
| Total equity | $35.8M | |
| Loans / deposits | 67.88% (p22 of band) | 82.04% |
| Liquid assets / assets | 39.53% (p82 of band) | |
| Uninsured deposits / deposits | 18.64% (p24 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.48% (p68 of band) | |
| FHLB advances / assets | 3.40% | |
| Tier 1 leverage | 11.18% (p58 of band) | 10.81% |
| Unrealized securities loss / equity | -52.60% (p4 of band) | -8.10% |
| AOCI / equity | 0.39% (p91 of band) | |
| ROA (annualized) | 1.30% (p52 of band) | 1.28% |
| Net interest margin | 3.16% (p15 of band) | 3.91% |
| Efficiency ratio | 61.79% (p51 of band) | |
| Noncurrent loans | 0.39% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 421.77% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 44.20% (p51 of band) | |
| Auto loans | $2.6M (1.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling, construction >100% equity |  |
| 2023-09 | 3 | AOCI drag >20% of equity | capital falling |
| 2023-12 | 3 | wholesale funding >15% | AOCI drag >20% of equity |
| 2024-03 | 3 | capital falling | wholesale funding >15% |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 3 | wholesale funding >15% |  |
| 2024-12 | 1 |  | construction >100% equity, wholesale funding >15% |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | assets shrinking |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-01-17 [Seward bank celebrates 150 years - 1011now.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE13MVo3S0FFNHBTS0kwVEV4NkdmTDN3SHJBTXRTVWQ4NTlrUEttd1BmRmhzTEF4VTMwc1NJdTFVQUtwUUt1ci1UeURkOXd6Mll4UTROUDQ1T1ltaGQwNWlCUWxEallZeTZ6ZTRNMWlxaUJReWR2MXl30gGLAUFVX3lxTE9hbmFsNVVJbkFrRS1IelFkTHRDcUhTbGFEaVZyS2NwTXZvNG1uaUwwTlpRR1ZfUDB3OTBxQm84Sm5zT2FoVEtzZVBIX3BrQWtBandaSEl3TVZ5akNOajVfdExlSnNZLVcyanpLN01FR2JTUEcxam9VMldReFRObUk4NVJTVjVUWTRlbk0?oc=5) · 1011now.com
- 2019-12-03 [Nebraska Schools Tackle Financial Literacy - Nebraska Public Media](https://news.google.com/rss/articles/CBMingFBVV95cUxNeXJTOExVN1NtRTBzcFhORTVXaW9ibUU2VlZJVXlVVkp0RlNhX0F0RUVramQ5OHI2M1gxTUp3ZkxDaUVNX1VGQkF2TDBpU19xWEh4ZzlEQXFwLWVBMzZhdEhJTVJfWC1WRWZDeVRIRkpQV01WZEZDTEl1cGgwV2RtdHc1YVlscENWX0U5TFo4Ulp6Wkw0WXp3dE14MVN1Zw?oc=5) · Nebraska Public Media
- 2026-08-31 [Bank of America exec: Three steps Jacksonville entrepreneurs should take before year-end - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPNEVaQmk0S2VGN0N2QW1fRDNaTXJpR0RSUVh0ME1QNUZxY2NpTEpXdDhNMWdqRnA1VFpsRjgwNDdKU05RUUVvVEFKdnhGRXVfUVFPMlVoQjgxQlZHMUZTcGI5bF9PdS1lODk5eHZEd1pmTTdtRzg3UF9MYWx3QjVVRVFEdkItcFdZamFkazVabHJnME13WVg3UWswWjgyNFA4OGhTSkR5Vm4?oc=5) · The Business Journals
- 2025-07-23 [The weirdest giveaways banks used to offer to customers - WFTV](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdWdqUk1xTGpES2hjcWFFaUwwTlA2U0V4d3dhbEo5YnhzQ0RDd3lubjZTVW5MZFhZVUZKbDBMQWw2NkFRNXZUcW9NOUs2anZpTnNKTC1JMlBqNHJ6YmtlV3pSaGh1WjlGenJobld6bDZ1amtMWkx3UGEybGcxQ1I1X29MWHM1X1pJZUlYU1IwNEI0UFk1QTkwNzNHZERMWU5s0gG0AUFVX3lxTE1taHFHb2cxLW9lOENoNUhiVFVhenFDcWlSTk1YUVJrQW1MZ0RqTUNQenpYcEVYMVczb1ROZzIyZEQ3YXBiV05VZG9OLTJtcmt1VEtuXzlUWE50TUcxMWJCVFZNT0dNR2R2ZkROVEYxbzNrU0F5SzNndFdoOEtwM1pWUzE4VlI4TG1qTDFSbk5rZUlsc2ZtcGdVeG5kV190bW16a2N2Vy0xcHZ5bVZVV01FaWozVA?oc=5) · WFTV
- 2019-09-30 [‘Lincoln Collects’ features Wake's private collection - Nebraska Today](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMzdyaWlndDlEUnVaZkxFZmp2X0ZDemdVSndpcWhldFp2TER0d0M5X0N4bFIwRmVxbGVIVTQzVnhsVkU3UVZaeVh2ZlQ3YVJ0dVhXZTIwVVMwVDhDNnhTa2hZSmxucFMwVExBa29wSS1jaHZ2a25pVW1YRzdhUmozY0JUNmFBdw?oc=5) · Nebraska Today
- 2025-12-11 [Thursday, Dec. 11, 2025 - Seward Independent](https://news.google.com/rss/articles/CBMieEFVX3lxTFBEMU8wc28wY3lOQ2hJOXZmSVk0RnB5WlZ4VjVTaHFxMkxjQmxXb250YjBKYXpKeE1scjJtWXMwcjZkR044WThSNWxiTi13OUR3OVZuV2JEWkJUU1VrOER2cU1SQTlqclpLMjJpbUhLUFMtYmp3dVE0Rg?oc=5) · Seward Independent
- 2023-04-12 [John Barry Obituary (1942 - 2023) - Valparaiso, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZW82MkpCTWhMT3dpa294MFpXWnlFbW1DaG1QQ0lxOVY0LS1lS3d2bVhabFRULVZVaU1sV2J0Z2pGcWkxNkFSc1VUWUZyQkNyODRmUE8tVzRzbEZUdFFiWTF5SEwtNXhfOThxTHZUTXJ0VkRQanVCa2NNYWJiT095a045V2tGVEVqLUphd2Nn?oc=5) · legacy.com
- 2017-09-02 [Three Gentlemen, One Ghost, and a Skyscraper - Texas Monthly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVW9uOTF5dGk0SndOcUF5QmRpTWtCMVd0N2xBR3hVYXA4b0Uydy0yRklhU1ZqTUZCTlFCXzEyV3JESml0YXJLNDhrOVNnU3N0NlJjbi1sMEVXdlkxTUc1ZExGdXRFTFJCNnRVanpLd1V2a2YtVGU3SVB4ZTRqaDEwYjZZTnp2Vjhx?oc=5) · Texas Monthly

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5473 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "5473", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide