Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania

Jonestown, PA · FDIC Certificate #10677 · Chartered 01/0

Total assets

$1.01B

Total deposits

$834.82M

Total equity

$103.43M

Net loans

$816.02M

Branches (offices)

Net income (YTD)

$7.06M

Rank: #1,041 of 4,213 U.S. banks by assets · #45 of 109 in Pennsylvania. Assets changed 3.1% and deposits 1.0% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.41%
Return on equity	14.01%
Net interest margin (YTD)	4.30%
Equity to assets	10.29%
Tier 1 leverage ratio	10.24%
Uninsured deposits (share of deposits)	17.7%
Noncurrent loans (share of loans)	0.02%
Net charge-offs (share of loans)	0.10%
Loans to deposits	97.7%
Real estate loans (share of loans)	64.9%

Loan mix

Category	Amount	Share
Real estate loans	$529.90M	64.9%
Commercial & industrial	$26.09M	3.2%
Consumer / individual	$256.03M	31.4%
Construction & development	$38.37M	4.7%
Agricultural	$3.40M	0.4%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$837.64M	$747.01M	$3.44M	$72.16M
Jun 2023	$913.14M	$744.17M	$3.56M	$79.03M
Jun 2024	$917.85M	$750.54M	$3.64M	$85.27M
Jun 2025	$975.04M	$826.30M	$4.02M	$92.15M
Jun 2026	$1.01B	$834.82M	$7.06M	$103.43M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Pennsylvania	$834.82M	13

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $834.82M.

Similar-sized banks

Adams Community Bank ($1.01B) · Kirkpatrick Bank ($1.00B)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.