JTNB (JTNB Bancorp) Net Loan: $123.74 Mil (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JTNB JTNB Bancorp Inc JTNB
64 GF Score
Price $20.75
GF Value $15.29
Valuation Significantly Overvalued
! 4 Warning Signs
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What is JTNB Bancorp Net Loan?

JTNB Bancorp JTNB 64 Net Loan is $123.74 Mil as of Dec. 2025. GuruFocus rates JTNB with a GF Score™ of 64/100 and a GF Value™ of $15.29 (Significantly Overvalued). The stock has 4 warning signs investors should review.

JTNB Bancorp's quarterly net loan increased from Dec. 2023 ($120.56 Mil) to Dec. 2024 ($126.32 Mil) but then declined from Dec. 2024 ($126.32 Mil) to Dec. 2025 ($123.74 Mil).

JTNB Bancorp's annual net loan increased from Dec. 2023 ($120.56 Mil) to Dec. 2024 ($126.32 Mil) but then declined from Dec. 2024 ($126.32 Mil) to Dec. 2025 ($123.74 Mil).

JTNB Bancorp Net Loan Historical Data

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The historical data trend for JTNB Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

JTNB Bancorp Net Loan Chart

JTNB Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 123.74 122.64 120.56 126.32 123.74

JTNB Bancorp Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial 123.74 122.64 120.56 126.32 123.74
JTNB
64GF Score
JTNB Bancorp Inc JTNB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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JTNB Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $123.74 Mil mean?
JTNB Bancorp (JTNB) has a Net Loan of $123.74 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on JTNB Bancorp and its competitors.
Is JTNB Bancorp's Net Loan too high?
JTNB Bancorp's current Net Loan is $123.74 Mil. Overall, JTNB Bancorp has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JTNB Bancorp's Net Loan compare to FIDS and MSBB?
JTNB Bancorp's Net Loan of $123.74 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on JTNB Bancorp and its competitors. JTNB Bancorp's current Net Loan is $123.74 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JTNB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, JTNB Bancorp (JTNB) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.29, compared to a current price of $20.75 — trading 35.7% above its estimated fair value. The current Net Loan is $123.74 Mil. JTNB Bancorp's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For JTNB Bancorp (JTNB), the current Net Loan is $123.74 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is JTNB Bancorp (JTNB) Overvalued in 2026?

Based on GuruFocus' analysis, JTNB Bancorp stock appears to be overvalued. The current stock price of $20.75 is trading 35.7% above its estimated GF Value™ of $15.29. GuruFocus considers JTNB Bancorp to be Significantly Overvalued.

Key valuation signals for JTNB:

  • Net Loan: $123.74 Mil
  • GF Value™: $15.29 vs. price of $20.75 (35.7% above fair value)
  • GF Score™: 64/100 with 4 warning signs

No single metric tells the full story. See the JTNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

JTNB Bancorp Business Description

Address 12 Broadway, P.O. Box 209, Jim Thorpe, PA, USA, 18229
JTNB Bancorp Inc operates as a commercial bank that offers various banking and financial products and services for individuals and small businesses. The bank offers services such as checking and savings facilities, mortgage loans, consumer loans, debit cards, credit cards, online banking, commercial loans, merchant processing, and others.
64GF Score

Get the complete analysis for JTNB

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.75
Price
$15.29
GF Value