Seward, NE · Cert 5473 · Jones National Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
59
Profitability
43
Liquidity
71
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Seward, NE · Cert 5473 · Jones National Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 1.7% share · #13 of 33 inst. · $0.3B of $16.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.88% | 1.08% | 1.09% | 1.05% | 1.08% | 1.09% | 1.04% | -4 bps | |
| Return on Equity | 14.92% | 15.07% | 18.45% | 18.08% | 16.38% | 15.93% | 13.30% | 12.77% | -531 bps | |
| Net Interest Margin | 2.39% | 2.39% | 2.54% | 2.66% | 2.72% | 2.82% | 2.86% | 2.87% | +21 bps | |
| Efficiency Ratio | 62.12% | 62.61% | 56.14% | 57.42% | 59.41% | 59.44% | 57.81% | 61.79% | +437 bps | |
| Non-Interest Burden | 1.33% | 1.32% | 1.20% | 1.32% | 1.41% | 1.45% | 1.49% | 1.61% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.68% | 0.51% | 0.87% | -2.39% | -5.65% | -5.20% | -0.97% | 3.64% | +603 bps | |
| Loan Growth (YoY) | 13.31% | 12.58% | 6.48% | 4.22% | -3.34% | -5.06% | -2.67% | -1.20% | -543 bps | |
| Deposit Growth (YoY) | 0.71% | 3.84% | 7.96% | 4.32% | 3.47% | -1.87% | -2.12% | 2.58% | -173 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.22% | 0.26% | 0.24% | 0.24% | 0.28% | 0.31% | 0.39% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | -0.03% | -0.02% | -0.02% | 0.00% | -0.03% | 0 bps | |
| Allowance / Loans | 1.51% | 1.52% | 1.59% | 1.58% | 1.60% | 1.63% | 1.67% | 1.64% | +6 bps | |
| Allowance Coverage of NPLs | 6.7x | 7.0x | 6.1x | 6.6x | 6.7x | 5.8x | 5.3x | 4.2x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.20% | 10.31% | 10.69% | 11.09% | 11.61% | 11.23% | 11.18% | +49 bps | |
| Total Risk-Based Capital | 10.10% | 10.20% | 10.31% | 10.69% | 11.09% | 11.61% | 11.23% | 11.18% | +49 bps | |
| Equity / Assets | 6.86% | 5.78% | 5.92% | 6.32% | 7.70% | 8.41% | 7.98% | 8.11% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.95% | 75.13% | 67.71% | 71.65% | 71.89% | 72.69% | 67.33% | 69.01% | -265 bps | |
| Liquid Assets / Assets | 0.58% | 0.63% | 4.69% | 0.83% | 0.75% | 0.90% | 7.02% | 6.88% | +605 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 126.85% | 124.37% | 126.40% | n/a | n/a | |
Seward, NE · Cert 5473 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jones National Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
1.02%
Rank 397 of 746
Net Interest Margin
2.87%
Rank 645 of 746
Efficiency Ratio
61.80%
Rank 312 of 746
Equity / Assets
8.11%
Rank 639 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.72% | 1.06% | 1.45% | Beats 47% | 397 / 746 | ||
| Return on Equity | 12.61% | 6.74% | 10.51% | 13.63% | Beats 68% | 241 / 746 | ||
| Net Interest Margin | 2.87% | 3.17% | 3.68% | 4.16% | Beats 14% | 645 / 746 | ||
| Efficiency Ratio | 61.80% | 55.74% | 64.58% | 75.47% | Beats 58% | 312 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.42% | 1.07% | Beats 53% | 351 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 65% | 259 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.18% | 11.55% | 13.75% | 17.60% | Beats 21% | 587 / 746 | ||
| Total Risk-Based Capital Ratio | 11.18% | 11.71% | 14.33% | 18.43% | Beats 20% | 599 / 746 | ||
| Equity / Assets | 8.11% | 8.90% | 10.51% | 13.06% | Beats 14% | 639 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.01% | 61.31% | 78.27% | 90.78% | 34th pctl | 491 / 746 | ||
| Loans / Assets | 58.00% | 53.60% | 66.97% | 76.08% | 32nd pctl | 508 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||