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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.97% | 0.98% | 1.25% | 1.32% | 1.26% | 1.40% | 1.34% | +9 bps | |
| Return on Equity | 11.82% | 10.78% | 11.27% | 14.25% | 14.37% | 12.94% | 14.13% | 13.49% | -76 bps | |
| Net Interest Margin | 3.06% | 2.98% | 2.85% | 3.16% | 3.20% | 3.39% | 3.36% | 3.46% | +30 bps | |
| Efficiency Ratio | 61.29% | 63.59% | 60.77% | 54.17% | 53.62% | 57.52% | 52.10% | 55.69% | +152 bps | |
| Non-Interest Burden | 1.70% | 1.73% | 1.56% | 1.51% | 1.51% | 1.78% | 1.55% | 1.75% | +25 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% | -0.02% | -0.01% | 0.02% | -0.02% | -0.01% | -0.01% | 0.04% | +2 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 | |