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Junction National Bank

Junction, TX · Cert 15078

National charter · OCC · 1 branch

Q2 2026

$93.0MAssets
$21.5MLoans
$84.6MDeposits
$8.2MEquity
Loan mix
83%RE $15.8M10%C&I $1.8M7%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $48.0M43%Noninterest $36.6MQ2 2025Q2 2026

NIM

3.60%Q2 ’243.83%Q2 ’253.89%Q2 ’26+2%+1%

Non-interest income vs. expense

1.83%Q2 ’241.95%Q2 ’251.88%Q2 ’26+9%-6%

Executive Summary

  • Earnings: ROA of 1.36%, up 17 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.04%, up 43 bps from a year ago.
  • Funding: loans stand at 25.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.36%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.10%+3 bps YoY

Efficiency Ratio (quarter, annualized)

52.62%-287 bps YoY

Tier 1 Leverage Ratio

12.04%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.22%1.06%1.16%1.36%+17 bps
Return on Equity17.23%15.90%12.67%13.50%15.51%-172 bps
Net Interest Margin3.07%3.04%3.17%2.98%3.10%+3 bps
Efficiency Ratio55.49%56.63%50.81%55.75%52.62%-287 bps
Non-Interest Burden1.50%1.53%1.41%1.48%1.41%-9 bps
Growth
Asset Growth (YoY)1.82%5.71%11.52%9.34%4.88%+307 bps
Loan Growth (YoY)6.07%-4.03%-3.48%-1.10%0.13%-595 bps
Deposit Growth (YoY)0.75%4.61%8.09%7.14%2.77%+203 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans-0.02%-0.04%0.04%-0.02%-0.02%0 bps
Allowance / Loans1.60%1.65%1.62%1.60%1.60%+1 bps
Allowance Coverage of NPLs85.5x172.0x342.0xn/an/an/a
Capital
Tier 1 Leverage Ratio11.61%11.76%11.45%11.46%12.04%+43 bps
Total Risk-Based Capital37.27%38.53%38.46%39.47%12.04%-2,523 bps
Equity / Assets6.98%8.28%8.46%8.65%8.84%+186 bps
Liquidity & Funding
Loans / Deposits26.03%24.69%24.48%24.58%25.36%-67 bps
Liquid Assets / Assets19.92%20.63%23.10%24.39%21.24%+132 bps
CRE / Total Capitaln/a30.05%29.56%27.45%n/an/a