JD Bank
Jennings, LA · Cert 16546 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · JD Bancshares Inc.
State charter, non-member · FDIC · 22 branches
Q2 2026
$1.3BAssets
$780.5MLoans
$1.1BDeposits
$130.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 41 of 258).
- Widest gap: efficiency ratio trails 77% of banks $1B-$10B in assets operating in a single state (rank 199 of 257).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.11%
Rank 153 of 258
Net Interest Margin
3.87%
Rank 67 of 258
Efficiency Ratio
70.56%
Rank 199 of 257
Equity / Assets
10.36%
Rank 126 of 258
Non-interest income vs. expense
Unfavorable gap of $31.4M · efficiency ratio beats 23% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.93% | 1.23% | 1.54% | Beats 41% | 153 / 258 | | |
| Return on Equity | 10.69% | 9.26% | 11.84% | 14.74% | Beats 41% | 153 / 258 | | |
| Net Interest Margin | 3.87% | 3.16% | 3.49% | 3.88% | Beats 74% | 67 / 258 | | |
| Efficiency Ratio | 70.56% | 51.71% | 60.30% | 69.65% | Beats 23% | 199 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.19% | 0.46% | 0.90% | Beats 55% | 118 / 258 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 35% | 169 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 16.78% | 11.41% | 12.98% | 15.12% | Beats 84% | 41 / 258 | | |
| Total Risk-Based Capital Ratio | 17.79% | 12.10% | 13.91% | 16.08% | Beats 84% | 41 / 258 | | |
| Equity / Assets | 10.36% | 9.09% | 10.24% | 11.72% | Beats 51% | 126 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.64% | 73.24% | 86.34% | 95.95% | 18th pctl | 211 / 258 | | |
| Loans / Assets | 61.99% | 63.01% | 72.27% | 78.40% | 22nd pctl | 200 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |