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Jones Bank

Seward, NE · Cert 5473 · Jones National Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$441.2MAssets
$255.9MLoans
$370.8MDeposits
$35.8MEquity
Loan mix
84%RE $157.2M13%C&I $25.0M3%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $340.3M8%Noninterest $30.5MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.64%Q2 ’254.57%Q2 ’26+11%+8%

Non-interest income vs. expense

1.72%Q2 ’241.80%Q2 ’252.00%Q2 ’26+0%+22%

Market Position · Lincoln, NE · 2026 SOD (annual) · 1.7% share · #13 of 33 inst. · $0.3B of $16.1B

21.6% Seward
9.7% Saunders

Executive Summary

  • Earnings: ROA of 1.04%, down 4 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.39% of loans (+15 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 11.18%, up 49 bps from a year ago.
  • Funding: loans stand at 69.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+21 bps YoY

Efficiency Ratio (YTD, annualized)

61.79%+437 bps YoY

Tier 1 Leverage Ratio

11.18%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.05%1.08%1.09%1.04%-4 bps
Return on Equity18.08%16.38%15.93%13.30%12.77%-531 bps
Net Interest Margin2.66%2.72%2.82%2.86%2.87%+21 bps
Efficiency Ratio57.42%59.41%59.44%57.81%61.79%+437 bps
Non-Interest Burden1.32%1.41%1.45%1.49%1.61%+29 bps
Growth
Asset Growth (YoY)-2.39%-5.65%-5.20%-0.97%3.64%+603 bps
Loan Growth (YoY)4.22%-3.34%-5.06%-2.67%-1.20%-543 bps
Deposit Growth (YoY)4.32%3.47%-1.87%-2.12%2.58%-173 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.24%0.28%0.31%0.39%+15 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.02%0.00%-0.03%0 bps
Allowance / Loans1.58%1.60%1.63%1.67%1.64%+6 bps
Allowance Coverage of NPLs6.6x6.7x5.8x5.3x4.2x-2.4x
Capital
Tier 1 Leverage Ratio10.69%11.09%11.61%11.23%11.18%+49 bps
Total Risk-Based Capital10.69%11.09%11.61%11.23%11.18%+49 bps
Equity / Assets6.32%7.70%8.41%7.98%8.11%+178 bps
Liquidity & Funding
Loans / Deposits71.65%71.89%72.69%67.33%69.01%-265 bps
Liquid Assets / Assets0.83%0.75%0.90%7.02%6.88%+605 bps
CRE / Total Capitaln/a126.85%124.37%126.40%n/an/a