White Hall, AR · Cert 19371 · Jefferson Bancshares Inc.
State charter, Fed member · FED · 21 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.8% share · #16 of 42 inst. · $0.3B of $36.9B
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 | 0.99% | 1.01% | 1.11% | 1.21% | 1.28% | 1.23% | 1.15% | 1.21% | +1 bps | |
| Return on Equity | 8.83% | 8.97% | 9.58% | 10.37% | 10.79% | 10.24% | 8.98% | 9.32% | -104 bps | |
| Net Interest Margin | 2.92% | 2.96% | 3.19% | 3.32% | 3.39% | 3.47% | 3.56% | 3.56% | +24 bps | |
| Efficiency Ratio | 60.88% | 61.17% | 60.98% | 58.67% | 57.28% | 56.95% | 62.63% | 61.38% | +271 bps | |
| Non-Interest Burden | 1.50% | 1.54% | 1.70% | 1.69% | 1.68% | 1.70% | 1.99% | 1.95% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.93% | -3.61% | 9.09% | 10.60% | 2.61% | 2.38% | -1.04% | -5.93% | -1,653 bps | |
| Loan Growth (YoY) | 12.50% | 11.36% | 6.32% | 6.10% | 1.44% | 0.84% | 0.68% | -3.52% | -962 bps | |
| Deposit Growth (YoY) | 12.63% | -5.21% | 9.80% | 10.69% | 5.41% | 1.10% | -1.59% | -8.09% | -1,878 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.41% | 0.40% | 0.25% | 0.42% | 0.33% | 0.41% | 0.40% | +15 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.08% | 0.19% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 1.10% | 1.12% | 1.16% | 1.16% | 1.13% | 1.19% | 1.25% | 1.22% | +6 bps | |
| Allowance Coverage of NPLs | 108.5x | 2.8x | 2.9x | 4.6x | 2.7x | 3.7x | 3.0x | 3.1x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 11.97% | 12.21% | 12.43% | 12.42% | 12.80% | 13.14% | 13.27% | +84 bps | |
| Total Risk-Based Capital | 13.74% | 13.95% | 14.64% | 14.25% | 14.32% | 15.07% | 15.57% | 15.77% | +153 bps | |
| Equity / Assets | 11.52% | 11.57% | 11.62% | 11.76% | 12.36% | 12.71% | 12.80% | 13.57% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.99% | 90.96% | 85.46% | 88.54% | 91.42% | 90.73% | 87.43% | 92.94% | +441 bps | |
| Liquid Assets / Assets | 4.87% | 4.76% | 11.32% | 8.41% | 4.81% | 6.16% | 9.57% | 4.71% | -370 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 363% | 350% | 333% | n/a | n/a | |