Applications / Mortgage Analytics / Lenders / Missouri / Jonesburg State Bank
Jonesburg, MO · State non-member bank · FDIC · $139 million assets · 32 loans in 2025
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32
loans originated, 2025
39
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jonesburg State Bank is a small Missouri bank that made 32 home loans in 2025, fewer than most similar banks, spread across four markets around St. Louis and central Missouri.
The bank first reported in 2007. It filed no report for 2020, 2021 or 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps, not years without lending. It made 48 loans in 2018 and 32 in 2025.
Similar lenders, state non-member banks making between half and twice as many loans, typically made 44 loans; the bank made more than only about a quarter of them. Its loans fell 14% while peers' were flat and the whole market grew 10%. On counts this small, that fall is too slight to read much into.
A quarter of its loans, 25.0%, went to low- and moderate-income (LMI) neighborhoods, against 18.9% for similar banks, more than nearly two-thirds of them. On 32 loans, though, the gap comes down to a few loans. Its share of LMI borrowers, 23.8%, was near the middle of the group.
Half its loans were home purchases, 37.5% refinances and 9.4% home improvement. Its typical loan was $150,000, against $175,000 for peers. It ranks 234 of 637 in St. Louis, where it has lent since 2007.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Jonesburg State Bank took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 37.5% · Home improvement 9.4% · Other 3.1%
Conventional 100.0% · of 32 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 32 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 19 |
| Columbia | 1 |
| Jefferson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WMGNZX1DVKD167 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 733755 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38896 | 2007–2017 |
Established 21 February 1921. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Jonesburg State Bank's data.
Jonesburg State Bank's data
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Jonesburg State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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