Salt Lake City, UT · Cert 26798 · JGS Jr Family Holding Corp.
State charter, non-member · FDIC · 1 branch
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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
100
Profitability
47
Liquidity
0
Efficiency
52
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.
Salt Lake City, UT · Cert 26798 · JGS Jr Family Holding Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #44 of 57 inst. · $0.1B of $1175.7B
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 | 0.94% | 1.03% | 1.38% | 1.12% | 0.85% | 0.87% | 0.96% | 0.89% | -23 bps | |
| Return on Equity | 6.35% | 6.88% | 9.00% | 7.26% | 5.57% | 5.71% | 6.38% | 5.89% | -137 bps | |
| Net Interest Margin | 3.37% | 3.51% | 4.01% | 3.92% | 3.93% | 3.83% | 3.65% | 3.97% | +5 bps | |
| Efficiency Ratio | 64.88% | 65.70% | 64.45% | 66.36% | 69.75% | 69.68% | 67.20% | 67.15% | +79 bps | |
| Non-Interest Burden | 2.16% | 2.28% | 2.56% | 2.58% | 2.73% | 2.65% | 2.44% | 2.65% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 0.03% | -5.21% | -11.59% | -7.18% | -4.67% | -3.13% | -4.82% | +677 bps | |
| Loan Growth (YoY) | 5.87% | -5.96% | -5.04% | -13.27% | -7.58% | -0.12% | -9.43% | -3.57% | +969 bps | |
| Deposit Growth (YoY) | 13.15% | 13.89% | 14.73% | -0.88% | -3.79% | 0.62% | 1.19% | -11.29% | -1,041 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.95% | -0.48% | -0.31% | -0.24% | 0.00% | 0.00% | +48 bps | |
| Allowance / Loans | 0.93% | 0.92% | 0.99% | 0.94% | 0.99% | 1.01% | 1.07% | 1.07% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.33% | 15.18% | 15.64% | 16.43% | 15.44% | 15.59% | 14.34% | 15.73% | -70 bps | |
| Total Risk-Based Capital | 14.33% | 15.18% | 15.64% | 16.43% | 15.44% | 15.59% | 14.34% | 15.73% | -70 bps | |
| Equity / Assets | 14.15% | 15.37% | 15.32% | 15.63% | 14.50% | 15.24% | 14.80% | 15.36% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.50% | 108.46% | 112.41% | 112.63% | 113.83% | 107.66% | 100.62% | 122.42% | +980 bps | |
| Liquid Assets / Assets | 11.31% | 15.59% | 11.21% | 12.09% | 11.53% | 11.62% | 16.76% | 10.80% | -129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 371% | 361% | 347% | n/a | n/a | |
Salt Lake City, UT · Cert 26798 · Peer group: banks under $1B in assets (n=581-629) · JGS Jr Family Holding Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.91%
Rank 366 of 629
Net Interest Margin
3.97%
Rank 179 of 629
Efficiency Ratio
67.15%
Rank 305 of 629
Equity / Assets
15.36%
Rank 130 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.60% | 1.01% | 1.45% | Beats 42% | 366 / 629 | ||
| Return on Equity | 5.92% | 5.38% | 9.30% | 13.28% | Beats 28% | 455 / 629 | ||
| Net Interest Margin | 3.97% | 3.03% | 3.54% | 4.05% | Beats 72% | 179 / 629 | ||
| Efficiency Ratio | 67.15% | 58.35% | 67.79% | 79.08% | Beats 52% | 305 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.73% | 11.24% | 13.84% | 18.77% | Beats 64% | 229 / 629 | ||
| Total Risk-Based Capital Ratio | 15.73% | 11.58% | 14.43% | 19.66% | Beats 59% | 258 / 629 | ||
| Equity / Assets | 15.36% | 9.09% | 10.65% | 13.80% | Beats 79% | 130 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 122.42% | 67.24% | 80.90% | 93.48% | 98th pctl | 9 / 594 | ||
| Loans / Assets | 85.97% | 53.31% | 67.71% | 78.15% | 94th pctl | 35 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||