# JONESBORO STATE BANK
JONESBORO, LA · FDIC certificate 9325 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.30B | |
| Deposits | $1.21B | |
| Loans and leases | $75.9M | |
| Total equity | $86.1M | |
| Loans / deposits | 6.16% (p1 of band) | 87.10% |
| Liquid assets / assets | 92.14% (p99 of band) | |
| Uninsured deposits / deposits | 6.05% (p2 of band) | 30.76% |
| Brokered deposits | 82.99% | |
| Wholesale funding | 82.99% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.67% (p2 of band) | 10.50% |
| Unrealized securities loss / equity | -22.44% (p16 of band) | -7.75% |
| AOCI / equity | -4.44% (p1 of band) | |
| ROA (annualized) | 1.90% (p84 of band) | 1.26% |
| Net interest margin | 1.90% (p2 of band) | 3.70% |
| Efficiency ratio | 30.60% (p3 of band) | |
| Noncurrent loans | 1.64% (p87 of band) | 0.51% |
| Net charge-offs (annualized) | 0.30% (p90 of band) | |
| Reserve coverage of noncurrent | 123.72% | |
| Real estate % of loans | 25% | |
| Construction % of loans | 0.78% (p5 of band) | |
| Auto loans | $277,000 (0.36% of loans; DQ 1.44%, NCO 0.00%) | |
| Loans to nondepository financials | $12.3M (14% of equity) (p89 of band) | |
| Deposits YoY | 13.5% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | NIM <2.5% |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | capital falling, noncurrent p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | brokered >10% |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | capital falling | brokered >10% |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | brokered >10%, wholesale funding >15% | capital falling |
| 2016-09 | 5 | uninsured deposits >50% |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | uninsured deposits >50% |
| 2017-06 | 4 |  |  |
| 2017-09 | 5 | uninsured deposits leaving |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | uninsured deposits leaving |
| 2018-06 | 5 | capital falling |  |
| 2018-09 | 4 |  | capital falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | NIM <2.5% |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 7 | capital falling, expense ratio p90 |  |
| 2020-06 | 7 |  |  |
| 2020-09 | 5 |  | reserve under noncurrent, capital falling |
| 2020-12 | 2 |  | noncurrent p90, NIM <2.5%, expense ratio p90 |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 7 | loans-to-lenders >50% equity |  |
| 2022-09 | 6 |  | capital falling |
| 2022-12 | 7 | noncurrent p90 |  |
| 2023-03 | 5 | uninsured deposits leaving | AOCI drag >20% of equity, loans-to-lenders >50% equity, noncurrent p90 |
| 2023-06 | 5 |  |  |
| 2023-09 | 8 | capital falling, AOCI drag >20% of equity, loans-to-lenders >50% equity |  |
| 2023-12 | 5 |  | uninsured deposits leaving, AOCI drag >20% of equity, loans-to-lenders >50% equity |
| 2024-03 | 6 | noncurrent p90 |  |
| 2024-06 | 4 |  | capital falling, noncurrent p90 |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 5 | capital falling |  |
| 2025-09 | 3 |  | securities losses >30% of equity, capital falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 6 | securities losses >30% of equity, NIM <2.5%, noncurrent p90 |  |
| 2026-06 | 4 |  | securities losses >30% of equity, noncurrent p90 |

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

- 2024-06-12 [Suspected bank robber arrested in Jackson Parish - KNOE](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWUozUzlDNWstTzJJUkR0YU1qb3JUTnY5SDdadFp3SVQ5UDFKTV8yZ2c1Tzhlbkt4UE9YVFE5bm1OOUhydXpndzJnUlRuU1dfVFhjTld1LTlxWkJVWjdzQVU5UzFIeWlia0tRdlZ6RzhnQTdRN0tDeGpqcm45UExxaE5razc?oc=5) · KNOE
- 2026-01-21 [Speech and Hearing Center accepting insurance, expanding access to hearing and balance services - Louisiana Tech University](https://news.google.com/rss/articles/CBMixAFBVV95cUxOd3kyRUhfTkxWUHpCYU5zMTRhcHZnWmprU25TbVZadm1ZZ3VKQ2VEclJ0ZXBQTGY0S185SGtWVWZ0ejhlOEEyYm1EMHV3Z0tVTGZjUWtqRTBwYWxmeDN2eWFzdHFLcUtkcW92dGFUMkszSUUza1BZNzNKUGhDc1gtUThqRTlrUng3V1pzbGZzSFViSGNKSDhXd2tZcjJSSHVseW5ua3FYVmloUkxZY2Q3M1FHcmRndWFieDU0b01SeXhMVUlO?oc=5) · Louisiana Tech University
- 2026-04-16 [Local Business Visibility Program launches in Ruston - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxQN0l4Q3ZpSHpWTkdJS1hhM1N5MElMNlFKZ3czWDA0V19MRmpQZDZNVlluYlFmaHNzU0VubmVQUHZtTnJVdFZIYVNnQW0zMHh6LVBrNVNnVWFzampTeUhwNW9yd1N1djJpUm5ubmNYQUFwQnFybXVEMDUybF9lejVCbDhUcVB5Q0x6VC1YYlFSSjN1ekU4em04bTVVYlVNdw?oc=5) · Lincoln Parish Journal
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal
- 2014-02-21 [Tommy Hearne Obituary (1931 - 2014) - Ruston, LA - The News Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPSndjVFJIbTdaY1BvUXZBWGpJM0NRUFNGRkh5RVllWE5nNXpjNmJtUXJNYmJ4V1QwbHVlSTM2UWc1alZDdFJ2bFZnb0tUNjBpYXhLb0xtQkg2Q3h3YnJvTjJQNUdOVVU2Yloya0s1Q1RoQlZScXZma0h2NExGaFBJWGhHNXhLOGlNMjNfYzhwcw?oc=5) · legacy.com
- 2021-08-31 [RCT announces 2021-2022 season - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxOY0JlaE9wcm1jWjV6ejZhUG1HeTFpQ3BCQVl5U29ySFFiWEtzREowZzByM0tsRkl3UTREdXNVVDNkc1hieEh5WENCUGQ5bk9HLVBTQlFuYTlNVzVZYUlGbTZiRVpqaWphaXVGX0dhU1NYNlhHVmdmLWI3ZWVuYXkwVg?oc=5) · Lincoln Parish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9325 (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/45.json (key "9325", 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