Jacksonville, TX · Cert 3276 · Jsa Family Ltd. Partnership
National charter · OCC · 1 affiliate bank · 39 branches (48 in holding)
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 8.4% share · #3 of 25 inst. · $0.7B of $8.0B
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 | 1.61% | 1.84% | 1.55% | 1.85% | 2.02% | 2.21% | 2.04% | 2.13% | +28 bps | |
| Return on Equity | 11.48% | 12.95% | 11.00% | 13.16% | 14.12% | 15.08% | 13.64% | 14.08% | +92 bps | |
| Net Interest Margin | 4.30% | 4.41% | 4.41% | 4.68% | 4.78% | 4.85% | 4.86% | 5.12% | +44 bps | |
| Efficiency Ratio | 57.18% | 55.25% | 57.47% | 55.55% | 52.06% | 51.36% | 51.33% | 51.32% | -423 bps | |
| Non-Interest Burden | 2.07% | 2.00% | 2.18% | 2.22% | 2.09% | 2.05% | 2.10% | 2.26% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.65% | 5.76% | 9.15% | 10.52% | 10.13% | 10.10% | 4.76% | 6.52% | -400 bps | |
| Loan Growth (YoY) | 6.80% | 5.61% | 8.51% | 8.25% | 8.14% | 7.15% | 2.30% | 0.68% | -757 bps | |
| Deposit Growth (YoY) | 6.80% | 7.56% | 10.69% | 11.62% | 10.59% | 9.31% | 3.71% | 5.43% | -618 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.47% | 0.48% | 0.48% | 0.53% | 0.60% | 0.57% | 0.60% | +12 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.06% | 0.07% | 0.07% | 0.03% | 0.03% | 0.08% | 0.01% | -6 bps | |
| Allowance / Loans | 1.37% | 1.38% | 1.38% | 1.38% | 1.39% | 1.38% | 1.42% | 1.46% | +9 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.0x | 2.9x | 2.9x | 2.6x | 2.3x | 2.5x | 2.4x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.37% | 14.31% | 14.30% | 14.10% | 14.36% | 14.53% | 15.03% | 15.12% | +101 bps | |
| Total Risk-Based Capital | 14.37% | 14.31% | 14.30% | 14.10% | 14.36% | 14.53% | 15.03% | 15.12% | +101 bps | |
| Equity / Assets | 14.06% | 14.35% | 13.89% | 14.24% | 14.41% | 14.84% | 15.09% | 15.14% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.42% | 95.29% | 92.49% | 93.54% | 92.32% | 93.41% | 91.23% | 89.32% | -422 bps | |
| Liquid Assets / Assets | 6.20% | 5.30% | 8.92% | 7.99% | 8.09% | 5.96% | 8.02% | 6.93% | -106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 246% | 236% | n/a | n/a | |