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 | |