Jacksboro, TX · Cert 3275 · Jacksboro Natl Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 1.26% | 0.57% | 0.97% | 0.91% | 1.31% | 1.11% | 1.18% | +20 bps | |
| Return on Equity | 11.82% | 20.95% | 9.69% | 15.18% | 12.53% | 16.58% | 13.82% | 14.23% | -94 bps | |
| Net Interest Margin | 2.87% | 2.91% | 3.09% | 3.30% | 3.31% | 3.45% | 3.48% | 3.66% | +36 bps | |
| Efficiency Ratio | 76.16% | 56.46% | 74.70% | 69.46% | 69.38% | 59.94% | 67.90% | 66.97% | -250 bps | |
| Non-Interest Burden | 1.99% | 1.36% | 2.14% | 2.04% | 2.03% | 1.78% | 2.08% | 2.18% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.64% | -7.62% | -5.55% | -3.70% | -2.71% | -2.55% | -2.17% | -4.90% | -120 bps | |
| Loan Growth (YoY) | 14.46% | 10.98% | 3.00% | -2.68% | -2.36% | -1.52% | -0.29% | -2.35% | +33 bps | |
| Deposit Growth (YoY) | -2.92% | -3.78% | -0.37% | -1.04% | 1.53% | 0.88% | -0.58% | -0.32% | +73 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.02% | 0.09% | 0.01% | 0.01% | 0.01% | 0.01% | -8 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.09% | 0.05% | 0.02% | 0.06% | 0.03% | 0.09% | 0.01% | 0 bps | |
| Allowance / Loans | 1.55% | 1.50% | 1.49% | 1.53% | 1.61% | 1.55% | 1.52% | 1.58% | +5 bps | |
| Allowance Coverage of NPLs | 42.0x | 36.9x | 74.5x | 16.7x | 176.8x | 109.0x | 175.2x | 191.3x | +174.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 10.07% | 10.41% | 10.77% | 11.16% | 10.63% | 10.96% | 11.42% | +64 bps | |
| Total Risk-Based Capital | 20.94% | 20.56% | 20.61% | 21.08% | 21.96% | 20.61% | 20.63% | 21.27% | +19 bps | |
| Equity / Assets | 6.62% | 5.43% | 6.33% | 6.51% | 7.94% | 7.89% | 8.19% | 8.37% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.94% | 55.80% | 56.28% | 57.93% | 54.76% | 54.47% | 56.44% | 56.75% | -118 bps | |
| Liquid Assets / Assets | 3.23% | 1.82% | 1.51% | 2.20% | 5.89% | 0.84% | 0.71% | 0.75% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 116.84% | 126.90% | 127.15% | n/a | n/a | |