# JONESBURG STATE BANK
JONESBURG, MO · FDIC certificate 8896 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $145.6M | |
| Deposits | $125.4M | |
| Loans and leases | $107.6M | |
| Total equity | $13.9M | |
| Loans / deposits | 84.86% (p71 of band) | 73.59% |
| Liquid assets / assets | 24.39% (p30 of band) | |
| Uninsured deposits / deposits | 9.81% (p13 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.43% (p66 of band) | |
| FHLB advances / assets | 3.43% | |
| Tier 1 leverage | 9.95% (p23 of band) | 11.76% |
| Unrealized securities loss / equity | -1.54% (p72 of band) | -6.57% |
| AOCI / equity | -0.45% (p46 of band) | |
| ROA (annualized) | 2.49% (p93 of band) | 1.17% |
| Net interest margin | 4.84% (p86 of band) | 3.93% |
| Efficiency ratio | 50.79% (p15 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 60.47% (p84 of band) | |
| Auto loans | $512,000 (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 | uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | construction >100% equity |
| 2013-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 2 | capital falling | deposits shrinking |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, construction >100% equity |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 2 | construction >100% equity |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | construction >100% equity |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, construction >100% equity |  |
| 2020-12 | 1 |  | construction >100% equity |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | uninsured deposits leaving |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | uninsured deposits leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2014-05-15 [Media Advisory: Supreme Court of Missouri to hold oral arguments May 21 - The Missouri Times -](https://news.google.com/rss/articles/CBMimgFBVV95cUxORm1WcmVNeGhXdFhqMXlsQWNCRXdNaEgxWGpuck1zbE1zUFdhcnhLbEk0RTlYZlhfNDNNT2hGaUJlaTA3NUVZbnhrRDBKbW41RmFOeGxYMnhDb0hHWlc2bURXSzRFQklrTVR0QUtUMktmNWdDV3RQWHhuM3lWNGZxaDRrdTdpS3IzMUV1cG5iMXpMZ19mWERhSGFn?oc=5) · The Missouri Times -
- 2026-06-01 [Martha J. (Key) Shelton - Pitman Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBXZnV4MHl5Q0NwbDFjaWM3OXF5NmxDRERhc1NhRmRNWmdVeUNSN0hqQU1Fc3RoMF9QVEt2ZTRnNHlRSk1hdVVyai1PYUdEeGp2RExZR01YZlVxWWktcVpoRDN5eWFHREJv?oc=5) · Pitman Funeral Home
- 2012-11-15 [Judge: Foreclosure mediations go into effect - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMiigFBVV95cUxQRTVUd29uSmVqUGZ6VkNiNDkxbWxHSGhlZFl3VHdlZmFBX0V4ZmYtalQtTlFkRVhvaGlUQTlnb2YzV1g2akEtU0FFVzBnQWR2TjRpOHlNc2dhdXRITUU3blB6OEpTa1kwVzlxV1lvRkQ4endfZ0ZPZUlUc2RyZDJVVV9hMGxtMEJwWlE?oc=5) · Missouri Lawyers Media
- 2023-07-29 [Auxvasse Rodeo returns - fultonsun.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE9hRG1Id2ZmYk42Z2VnM1lYWnN5aW1xRVRFd3NfekxEZnFfbGZSNjhTVXhNazJybzZTbDcyNU5lbTRvd2NJSk9EMnpES19IcmJ4aUlZaW1FbVZoU190WGhUNHE0RFU0SDQxVzllR3dybzFJZmNO?oc=5) · fultonsun.com
- 2025-01-08 [Charlotte Ann Wright Obituary (2025) - Wentzville, MO - Pitman Funeral Home - Jonesburg Chapel - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQMTJ4S2dKVXVUdDRLMTJ0M3gtMmdPTGZZb0JGTmFPdko2dl9UaXY2ODhWWGk0V0xIZ1RZYzdjdWlnWTA0ZmxqVEQ2aXVRQ2Uyc1NwdjJsbU9xVmpOTVdkVXBXMV92VmszRGFHM0hGN1pWMXdSdzhSV3k2djVtZ2FWZlpHYlZ2QQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8896 (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/0.json (key "8896", 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