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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

4.64%Q2 ’244.81%Q2 ’254.92%Q2 ’26+17%+11%

Non-interest income vs. expense

2.77%Q2 ’242.85%Q2 ’253.01%Q2 ’26-3%+6%

Executive Summary

  • Earnings: ROA of 1.18%, up 20 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.01% of loans (-8 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.18%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.66%+36 bps YoY

Efficiency Ratio (quarter, annualized)

66.97%-250 bps YoY

Tier 1 Leverage Ratio

11.42%+64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.91%1.31%1.11%1.18%+20 bps
Return on Equity15.18%12.53%16.58%13.82%14.23%-94 bps
Net Interest Margin3.30%3.31%3.45%3.48%3.66%+36 bps
Efficiency Ratio69.46%69.38%59.94%67.90%66.97%-250 bps
Non-Interest Burden2.04%2.03%1.78%2.08%2.18%+13 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 / Loans0.02%0.06%0.03%0.09%0.01%0 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