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Jacksboro National Bank, The

Jacksboro, TX · Cert 3275 · Jacksboro Natl Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

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.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jacksboro National Bank, The

Jacksboro, TX · Cert 3275 · Jacksboro Natl Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$283.2MAssets
$145.3MLoans
$256.0MDeposits
$23.7MEquity
Loan mix
85%RE $116.6M10%C&I $13.3M5%Consumer $7.0MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $163.7M36%Noninterest $92.4MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.79%Q2 ’254.94%Q2 ’26+16%+12%

Non-interest income vs. expense

2.78%Q2 ’242.85%Q2 ’253.02%Q2 ’26-1%+2%

Executive Summary

  • Earnings: ROA of 1.14%, up 38 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.01% of loans (-8 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.42%, up 64 bps from a year ago.
  • Funding: loans stand at 56.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+39 bps YoY

Efficiency Ratio (YTD, annualized)

67.43%-456 bps YoY

Tier 1 Leverage Ratio

11.42%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.81%0.94%1.11%1.14%+38 bps
Return on Equity12.65%12.42%13.82%13.82%14.06%+141 bps
Net Interest Margin3.22%3.29%3.30%3.48%3.61%+39 bps
Efficiency Ratio71.99%71.10%68.25%67.90%67.43%-456 bps
Non-Interest Burden2.11%2.10%2.01%2.08%2.15%+4 bps
Growth
Asset Growth (YoY)-3.70%-2.71%-2.55%-2.17%-4.90%-120 bps
Loan Growth (YoY)-2.68%-2.36%-1.52%-0.29%-2.35%+33 bps
Deposit Growth (YoY)-1.04%1.53%0.88%-0.58%-0.32%+73 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.01%0.01%0.01%0.01%-8 bps
Net Charge-Offs / Loans0.03%0.04%0.04%0.09%0.05%+2 bps
Allowance / Loans1.53%1.61%1.55%1.52%1.58%+5 bps
Allowance Coverage of NPLs16.7x176.8x109.0x175.2x191.3x+174.6x
Capital
Tier 1 Leverage Ratio10.77%11.16%10.63%10.96%11.42%+64 bps
Total Risk-Based Capital21.08%21.96%20.61%20.63%21.27%+19 bps
Equity / Assets6.51%7.94%7.89%8.19%8.37%+186 bps
Liquidity & Funding
Loans / Deposits57.93%54.76%54.47%56.44%56.75%-118 bps
Liquid Assets / Assets2.20%5.89%0.84%0.71%0.75%-145 bps
CRE / Total Capitaln/a116.84%126.90%127.15%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Jacksboro National Bank, The

Jacksboro, TX · Cert 3275 · Peer group: banks under $1B in assets in TX (n=208-211) · Jacksboro Natl Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$283.2MAssets
$145.3MLoans
$256.0MDeposits
$23.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets in TX (rank 49 of 208).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets in TX (rank 188 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.17%

Rank 110 of 211

Net Interest Margin

3.61%

Rank 125 of 211

Efficiency Ratio

67.43%

Rank 131 of 211

Equity / Assets

8.37%

Rank 188 of 211

Non-interest income vs. expense

$2.6M$8.9MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 38% of banks under $1B in assets in TX
Bank 67.43%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.87%1.20%1.65%Beats 48%110 / 211
Return on Equity14.01%7.52%11.67%14.58%Beats 71%61 / 211
Net Interest Margin3.61%3.28%3.82%4.31%Beats 41%125 / 211
Efficiency Ratio67.43%53.01%64.18%73.65%Beats 38%131 / 211
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.30%1.10%Beats 77%49 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 38%129 / 208
Capital
Tier 1 Capital Ratio20.02%11.72%14.45%19.57%Beats 76%50 / 211
Total Risk-Based Capital Ratio21.27%11.94%14.78%20.30%Beats 77%48 / 211
Equity / Assets8.37%9.41%11.06%12.94%Beats 11%188 / 211
Liquidity & Funding
Loans / Deposits56.75%45.39%66.56%82.03%34th pctl138 / 208
Loans / Assets51.32%39.13%56.90%70.46%36th pctl135 / 211
Brokered Deposits / Depositsn/aNot reported for this institution