PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jamestown Area Community

Jamestown, NY · Charter 3551

NCUA · 6 branches

Q2 2026

$85.5MAssets
$49.2MLoans
$76.0MShares
$9.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.58%, up 14 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.02% of loans (-8 bps YoY).
  • Capital: net worth / assets of 10.98%, up 131 bps from a year ago.
  • Funding: loans stand at 64.68% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.58%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+13 bps YoY

Efficiency Ratio (quarter, annualized)

62.75%-273 bps YoY

Net Worth / Assets

10.98%+131 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.94%1.34%1.45%1.62%1.64%1.70%1.58%+14 bps
Return on Equity9.47%10.14%13.96%14.96%15.86%15.55%15.62%14.41%-55 bps
Net Interest Margin3.11%3.20%3.72%3.72%3.83%3.87%3.90%3.85%+13 bps
Efficiency Ratio77.05%75.56%69.51%65.48%63.11%62.50%62.67%62.75%-273 bps
Growth
Asset Growth (YoY)2.19%0.96%0.51%2.84%4.09%3.78%4.70%3.96%+112 bps
Loan Growth (YoY)2.10%1.64%5.19%3.53%3.84%2.11%1.19%1.12%-240 bps
Share Growth (YoY)1.86%0.25%-0.33%1.93%2.92%2.50%3.46%2.67%+75 bps
Asset Quality
Delinquent Loans / Loans0.05%0.22%0.12%0.09%0.00%0.02%0.02%0.02%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.03%9.25%9.59%9.67%10.19%10.55%10.89%10.98%+131 bps
Net Worth / Assets9.03%9.25%9.59%9.67%10.19%10.55%10.89%10.98%+131 bps
Liquidity & Funding
Loans / Shares65.50%64.99%67.62%65.67%66.09%64.74%66.14%64.68%-99 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps