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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.74% | 0.58% | 0.73% | 0.68% | 0.72% | 0.82% | 0.83% | +10 bps | |
| Return on Equity | 7.48% | 7.19% | 5.81% | 7.20% | 6.65% | 6.98% | 7.85% | 7.79% | +59 bps | |
| Net Interest Margin | 2.59% | 2.56% | 2.52% | 2.67% | 2.72% | 2.37% | 2.74% | 2.82% | +15 bps | |
| Efficiency Ratio | 70.65% | 71.75% | 79.13% | 72.82% | 73.39% | 71.37% | 69.82% | 69.46% | -336 bps | |
| Non-Interest Burden | 1.68% | 1.69% | 1.89% | 1.82% | 1.87% | 1.57% | 1.77% | 1.81% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.01% | 2.83% | 6.95% | 8.16% | 6.28% | 12.88% | 7.85% | 4.93% | -323 bps | |
| Loan Growth (YoY) | 11.00% | 12.54% | 15.92% | 15.30% | 6.67% | 8.87% | 4.99% | 8.93% | -636 bps | |
| Deposit Growth (YoY) | -6.78% | 3.20% | 6.94% | 8.22% | 6.86% | 13.72% | 8.69% | 5.24% | -298 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.74% | 1.70% | 1.54% | 0.22% | 0.36% | 0.25% | 0.54% | 1.18% | +97 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.02% | -0.02% | -0.01% | -0.09% | -0.02% | -0.01% | +1 bps | |
| Allowance / Loans | 1.35% | 1.40% | 1.35% | 1.38% | 1.44% | 1.50% | 1.52% | 1.49% | +12 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.9x | 6.3x | 4.0x | 5.9x | 2.8x | 1.3x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.80% | 13.75% | 13.82% | 13.54% | 13.89% | 11.88% | 13.06% | 13.30% | -25 bps | |
| Total Risk-Based Capital | 13.80% | 13.75% | 13.82% | 13.54% | 13.89% | 11.88% | 13.06% | 13.30% | -25 bps | |
| Equity / Assets | 10.80% | 9.90% | 10.13% | 10.18% | 10.60% | 10.40% | 10.49% | 11.04% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.59% | 55.37% | 55.85% | 56.10% | 54.49% | 53.01% | 53.95% | 58.07% | +197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.83% | 1.03% | 4.40% | 5.16% | 6.72% | 1.77% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 114.19% | 114.55% | 108.87% | n/a | n/a | |