Bank · FDIC insured
Jones Bank
A $441.2M bank headquartered in Seward, NE, with 3 branches in Nebraska. Best rates: CDs 4.05% and savings 0.70% APY.
Jones Bank Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#17 of 29 in Lincoln, NE metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Jones Bank
Founded in 1883 to serve the Seward area, Jones Bank serves Seward, Milford, Valparaiso, and surrounding communities in Nebraska.
Originally chartered as The Jones National Bank, the institution established trust services in 1979 and converted to a state-chartered bank named Jones Bank in 2018.
Throughout its history, it expanded by acquiring The Seward County Bank, Goehner State Bank, Bank of Staplehurst, and Oak Creek Valley Bank.
- Headquarters
- 203 S 6th St, Seward, NE 68434
- FDIC certificate
- 5473 ↗
Branches
3 branches in Nebraska
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Nebraska
3 branches
Lincoln area · 2
- Jones BankMain office203 S 6th St, Seward, NE 68434Directions
- Milford Branch807 5th St, Milford, NE 68405Directions
Omaha area · 1
- Oak Creek Valley Branch108 W 2nd St, Valparaiso, NE 68065Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.18% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.39% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.30% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $69 | $81 | — |
- CapitalLeverage ratio11.18%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.39%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.30%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$69Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Jones Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.