Mayfield, KY · Cert 2759 · Jackson Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 2.6% share · #12 of 19 inst. · $0.2B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.94% | 0.87% | 1.31% | 1.16% | +14 bps | |
| Return on Equity | 13.52% | 12.05% | 10.84% | 16.63% | 14.88% | +136 bps | |
| Net Interest Margin | 3.24% | 3.32% | 3.37% | 3.31% | 3.37% | +13 bps | |
| Efficiency Ratio | 60.84% | 61.94% | 64.52% | 55.21% | 58.23% | -261 bps | |
| Non-Interest Burden | 1.85% | 1.94% | 2.08% | 1.54% | 1.82% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.73% | 7.68% | 8.76% | 8.10% | 6.72% | -101 bps | |
| Loan Growth (YoY) | 2.74% | 4.74% | 5.92% | 5.27% | 5.52% | +277 bps | |
| Deposit Growth (YoY) | 9.02% | 10.50% | 7.90% | 7.82% | 6.67% | -235 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.16% | 0.16% | 0.67% | 0.68% | +49 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.06% | 0.03% | 0.02% | +2 bps | |
| Allowance / Loans | 1.69% | 1.71% | 1.72% | 1.75% | 1.72% | +3 bps | |
| Allowance Coverage of NPLs | 9.3x | 10.5x | 10.6x | 2.6x | 2.5x | -6.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.53% | 8.67% | 8.60% | 8.61% | 8.48% | -5 bps | |
| Total Risk-Based Capital | 13.12% | 13.17% | 13.15% | 13.52% | 13.43% | +31 bps | |
| Equity / Assets | 7.60% | 8.04% | 7.95% | 7.76% | 7.77% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.03% | 75.13% | 74.43% | 71.94% | 73.23% | -80 bps | |
| Liquid Assets / Assets | 7.14% | 5.99% | 7.53% | 9.89% | 7.25% | +11 bps | |
| CRE / Total Capital | n/a | 261% | 272% | 270% | n/a | n/a | |