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 (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 | 0.84% | 0.83% | 1.05% | 1.04% | 1.01% | 0.97% | 1.31% | 1.23% | +20 bps | |
| Return on Equity | 11.87% | 11.75% | 14.42% | 14.00% | 13.29% | 12.67% | 16.63% | 15.74% | +175 bps | |
| Net Interest Margin | 2.98% | 2.97% | 3.14% | 3.14% | 3.17% | 3.18% | 3.31% | 3.29% | +16 bps | |
| Efficiency Ratio | 66.65% | 66.61% | 60.62% | 60.73% | 61.15% | 62.03% | 55.21% | 56.70% | -404 bps | |
| Non-Interest Burden | 1.88% | 1.88% | 1.74% | 1.76% | 1.80% | 1.85% | 1.54% | 1.66% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 2.25% | 4.53% | 7.73% | 7.68% | 8.76% | 8.10% | 6.72% | -101 bps | |
| Loan Growth (YoY) | 5.72% | 2.49% | 1.10% | 2.74% | 4.74% | 5.92% | 5.27% | 5.52% | +277 bps | |
| Deposit Growth (YoY) | 1.69% | 2.03% | 3.81% | 9.02% | 10.50% | 7.90% | 7.82% | 6.67% | -235 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.13% | 0.16% | 0.18% | 0.16% | 0.16% | 0.67% | 0.68% | +49 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | 0.02% | +3 bps | |
| Allowance / Loans | 1.70% | 1.69% | 1.71% | 1.69% | 1.71% | 1.72% | 1.75% | 1.72% | +3 bps | |
| Allowance Coverage of NPLs | 7.2x | 13.0x | 10.8x | 9.3x | 10.5x | 10.6x | 2.6x | 2.5x | -6.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.22% | 8.31% | 8.54% | 8.53% | 8.67% | 8.60% | 8.61% | 8.48% | -5 bps | |
| Total Risk-Based Capital | 12.27% | 12.38% | 12.95% | 13.12% | 13.17% | 13.15% | 13.52% | 13.43% | +31 bps | |
| Equity / Assets | 7.56% | 7.15% | 7.47% | 7.60% | 8.04% | 7.95% | 7.76% | 7.77% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.26% | 75.82% | 73.68% | 74.03% | 75.13% | 74.43% | 71.94% | 73.23% | -80 bps | |
| Liquid Assets / Assets | 1.85% | 3.07% | 7.03% | 7.14% | 5.99% | 7.53% | 9.89% | 7.25% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 272% | 270% | n/a | n/a | |