Jeanerette, LA · Cert 4290 · Jeanerette 1st Natl Bcorp Inc.
National charter · OCC · 10 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.9% share · #20 of 41 inst. · $0.1B of $12.2B
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 | 1.67% | 1.73% | 1.72% | 2.15% | 2.00% | 1.82% | 1.73% | 1.64% | -51 bps | |
| Return on Equity | 17.04% | 18.35% | 18.38% | 23.20% | 21.64% | 19.61% | 18.54% | 17.22% | -599 bps | |
| Net Interest Margin | 4.55% | 4.58% | 4.69% | 4.76% | 4.78% | 4.77% | 4.50% | 4.56% | -21 bps | |
| Efficiency Ratio | 53.59% | 54.39% | 51.94% | 44.35% | 47.00% | 52.22% | 52.59% | 53.47% | +913 bps | |
| Non-Interest Burden | 2.26% | 2.23% | 2.27% | 1.73% | 1.95% | 2.21% | 2.33% | 2.28% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.72% | 8.75% | 10.97% | 27.17% | 19.27% | 20.30% | 17.19% | 10.58% | -1,659 bps | |
| Loan Growth (YoY) | 20.25% | 24.55% | 20.93% | 29.25% | 22.26% | 18.21% | 18.26% | 12.98% | -1,627 bps | |
| Deposit Growth (YoY) | 10.92% | 16.15% | 18.79% | 27.20% | 25.06% | 20.49% | 17.34% | 13.72% | -1,348 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.32% | 0.19% | 0.60% | 0.30% | 0.14% | 0.18% | 0.23% | -37 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.27% | -0.01% | 0.00% | 0.05% | 0.01% | 0.00% | 0.08% | +7 bps | |
| Allowance / Loans | 1.67% | 1.55% | 1.51% | 1.46% | 1.49% | 1.56% | 1.51% | 1.49% | +4 bps | |
| Allowance Coverage of NPLs | 2.1x | 4.9x | 7.9x | 2.4x | 5.1x | 11.4x | 8.6x | 6.6x | +4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 9.93% | 9.96% | 9.99% | 9.73% | 9.60% | 9.56% | 9.96% | -3 bps | |
| Total Risk-Based Capital | 13.87% | 13.61% | 13.10% | 12.84% | 12.97% | 13.40% | 13.00% | 13.31% | +46 bps | |
| Equity / Assets | 9.62% | 9.30% | 9.37% | 9.15% | 9.36% | 9.20% | 9.41% | 9.61% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.41% | 89.57% | 92.14% | 95.65% | 92.29% | 87.88% | 92.86% | 95.04% | -61 bps | |
| Liquid Assets / Assets | 3.15% | 4.27% | 2.78% | 4.16% | 2.01% | 7.89% | 1.79% | 0.95% | -321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 418% | 402% | 427% | n/a | n/a | |