Jennings, LA · Cert 16546 · JD Bancshares Inc.
State charter, non-member · FDIC · 22 branches
Q2 2026
Market Position · Lake Charles, LA · 2026 SOD (annual) · 12.3% share · #3 of 20 inst. · $0.8B of $6.1B
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 | 1.33% | 1.18% | 1.08% | 1.08% | 1.33% | 1.16% | 1.05% | 1.17% | +8 bps | |
| Return on Equity | 14.85% | 13.00% | 12.00% | 11.69% | 13.89% | 11.66% | 10.47% | 11.42% | -26 bps | |
| Net Interest Margin | 3.85% | 3.65% | 3.65% | 3.86% | 3.88% | 3.92% | 3.86% | 3.91% | +5 bps | |
| Efficiency Ratio | 68.76% | 69.34% | 71.43% | 70.90% | 69.18% | 67.96% | 70.17% | 70.94% | +4 bps | |
| Non-Interest Burden | 2.36% | 2.26% | 2.37% | 2.48% | 2.40% | 2.37% | 2.42% | 2.51% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.80% | 1.12% | 2.27% | 2.97% | 2.50% | 5.15% | 6.04% | 4.06% | +109 bps | |
| Loan Growth (YoY) | 8.36% | 6.17% | 5.11% | 6.50% | 5.75% | 6.25% | 5.34% | 1.72% | -478 bps | |
| Deposit Growth (YoY) | -3.25% | 0.44% | 6.60% | 3.13% | 4.17% | 8.85% | 4.99% | 7.11% | +398 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.74% | 0.75% | 0.72% | 0.47% | 0.50% | 0.44% | 0.40% | -31 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.01% | -0.02% | 0.02% | 0.21% | 0.00% | 0.14% | +16 bps | |
| Allowance / Loans | 1.23% | 1.26% | 1.24% | 1.23% | 1.19% | 1.15% | 1.18% | 1.14% | -10 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 1.7x | 1.7x | 2.5x | 2.3x | 2.7x | 2.8x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.34% | 11.50% | 11.64% | 11.66% | 11.92% | 11.79% | 11.88% | +24 bps | |
| Total Risk-Based Capital | 17.07% | 17.35% | 17.29% | 17.02% | 17.27% | 17.48% | 17.72% | 17.79% | +78 bps | |
| Equity / Assets | 9.38% | 8.79% | 9.23% | 9.30% | 9.86% | 10.00% | 10.05% | 10.36% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.59% | 70.32% | 68.47% | 73.32% | 72.67% | 68.64% | 68.70% | 69.64% | -369 bps | |
| Liquid Assets / Assets | 1.42% | 3.59% | 2.19% | 0.97% | 1.24% | 4.20% | 4.69% | 3.94% | +297 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 316% | 315% | n/a | n/a | |