Jerseyville, IL · Cert 12384 · JSB Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #71 of 111 inst. · $0.2B of $141.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.60% | 0.82% | 0.82% | 0.84% | -3 bps | |
| Return on Equity | 8.49% | 5.73% | 7.82% | 7.85% | 7.76% | -73 bps | |
| Net Interest Margin | 2.88% | 2.74% | 2.49% | 2.74% | 2.86% | -2 bps | |
| Efficiency Ratio | 67.22% | 74.49% | 65.60% | 69.82% | 69.11% | +189 bps | |
| Non-Interest Burden | 1.79% | 1.91% | 1.50% | 1.77% | 1.82% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.16% | 6.28% | 12.88% | 7.85% | 4.93% | -323 bps | |
| Loan Growth (YoY) | 15.30% | 6.67% | 8.87% | 4.99% | 8.93% | -636 bps | |
| Deposit Growth (YoY) | 8.22% | 6.86% | 13.72% | 8.69% | 5.24% | -298 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.36% | 0.25% | 0.54% | 1.18% | +97 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.33% | -0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.38% | 1.44% | 1.50% | 1.52% | 1.49% | +12 bps | |
| Allowance Coverage of NPLs | 6.3x | 4.0x | 5.9x | 2.8x | 1.3x | -5.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.54% | 13.89% | 11.88% | 13.06% | 13.30% | -25 bps | |
| Total Risk-Based Capital | 13.54% | 13.89% | 11.88% | 13.06% | 13.30% | -25 bps | |
| Equity / Assets | 10.18% | 10.60% | 10.40% | 10.49% | 11.04% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.10% | 54.49% | 53.01% | 53.95% | 58.07% | +197 bps | |
| Liquid Assets / Assets | 1.03% | 4.40% | 5.16% | 6.72% | 1.77% | +74 bps | |
| CRE / Total Capital | n/a | 114.19% | 114.55% | 108.87% | n/a | n/a | |