Jamestown, MO · Cert 15792 · Jamestown Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
41
Profitability
59
Liquidity
70
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jamestown, MO · Cert 15792 · Jamestown Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Jefferson City, MO · 2026 SOD (annual) · 1.0% share · #12 of 20 inst. · $0.1B of $7.7B
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 | 1.06% | 1.04% | 0.98% | 1.12% | 1.19% | 1.21% | 1.40% | 1.38% | +26 bps | |
| Return on Equity | 12.56% | 12.19% | 11.27% | 12.84% | 13.34% | 13.26% | 14.13% | 13.79% | +95 bps | |
| Net Interest Margin | 3.09% | 3.01% | 2.85% | 2.94% | 2.94% | 3.05% | 3.36% | 3.36% | +42 bps | |
| Efficiency Ratio | 61.17% | 61.77% | 60.77% | 57.24% | 55.94% | 56.37% | 52.10% | 53.94% | -330 bps | |
| Non-Interest Burden | 1.72% | 1.70% | 1.56% | 1.50% | 1.46% | 1.54% | 1.55% | 1.63% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 6.31% | 11.01% | 11.73% | 12.97% | 7.06% | 5.66% | 2.13% | -960 bps | |
| Loan Growth (YoY) | 7.63% | 2.08% | -0.11% | 0.63% | 4.80% | 9.39% | 11.58% | 11.23% | +1,060 bps | |
| Deposit Growth (YoY) | 5.58% | 8.42% | 10.80% | 12.46% | 15.56% | 8.94% | 8.15% | 3.94% | -852 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.00% | 0.97% | 0.93% | 0.88% | 0.85% | 0.80% | 0.76% | 0.72% | -16 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 1.46% | 1.48% | 1.51% | 1.47% | 1.44% | 1.40% | 1.40% | 1.36% | -11 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.6x | 1.7x | 1.7x | 1.8x | 1.9x | 1.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.85% | 10.80% | 10.79% | 10.64% | 10.51% | 10.74% | 11.12% | 11.12% | +48 bps | |
| Total Risk-Based Capital | 10.85% | 10.80% | 10.79% | 10.64% | 10.51% | 10.74% | 11.12% | 11.12% | +48 bps | |
| Equity / Assets | 9.32% | 8.64% | 8.70% | 8.84% | 9.51% | 10.04% | 9.72% | 10.18% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.69% | 69.10% | 63.92% | 64.28% | 65.92% | 69.39% | 65.95% | 68.79% | +450 bps | |
| Liquid Assets / Assets | 4.76% | 6.51% | 11.25% | 12.46% | 10.18% | 6.40% | 11.44% | 6.34% | -613 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.37% | 77.76% | 89.54% | n/a | n/a | |
Jamestown, MO · Cert 15792 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jamestown Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.37%
Rank 225 of 746
Net Interest Margin
3.36%
Rank 503 of 746
Efficiency Ratio
53.94%
Rank 166 of 746
Equity / Assets
10.18%
Rank 403 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.72% | 1.06% | 1.45% | Beats 70% | 225 / 746 | ||
| Return on Equity | 13.42% | 6.74% | 10.51% | 13.63% | Beats 73% | 205 / 746 | ||
| Net Interest Margin | 3.36% | 3.17% | 3.68% | 4.16% | Beats 33% | 503 / 746 | ||
| Efficiency Ratio | 53.94% | 55.74% | 64.58% | 75.47% | Beats 78% | 166 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.09% | 0.42% | 1.07% | Beats 36% | 475 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 406 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.12% | 11.55% | 13.75% | 17.60% | Beats 20% | 595 / 746 | ||
| Total Risk-Based Capital Ratio | 11.12% | 11.71% | 14.33% | 18.43% | Beats 19% | 606 / 746 | ||
| Equity / Assets | 10.18% | 8.90% | 10.51% | 13.06% | Beats 46% | 403 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.79% | 61.31% | 78.27% | 90.78% | 34th pctl | 494 / 746 | ||
| Loans / Assets | 60.65% | 53.60% | 66.97% | 76.08% | 36th pctl | 474 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||