🏦Bank Scorer

JONESBURG STATE BANK

JONESBURG, MO · Supervised by FDIC

Est. 1921FDIC #8,896RSSD: FDIC-8896
Part ofMONTGOMERY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.56%

Institution Profile

FDIC BankFind

Address

110 1st St, JONESBURG, MO

County

Montgomery County

Established

February 21, 1921

Total Assets

$141M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$141M

Total Deposits

$124M

Net Loans

$106M

Net Income

$896K

ROA

2.56%

ROE

26.99%

Risk-Based Capital

15.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate18.00%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$119M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245074%18.00%
20234365.12%20.93%
20196460.94%20.31%
20185981.36%11.86%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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