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 (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 | 0.86% | 0.89% | 1.08% | 1.09% | 0.99% | 1.18% | 1.09% | 0.99% | -9 bps | |
| Return on Equity | 13.72% | 14.03% | 18.45% | 17.74% | 14.09% | 14.61% | 13.30% | 12.33% | -541 bps | |
| Net Interest Margin | 2.40% | 2.45% | 2.54% | 2.76% | 2.79% | 2.91% | 2.86% | 2.95% | +20 bps | |
| Efficiency Ratio | 63.36% | 63.92% | 56.14% | 58.65% | 63.27% | 59.51% | 57.81% | 65.49% | +684 bps | |
| Non-Interest Burden | 1.35% | 1.33% | 1.20% | 1.43% | 1.57% | 1.47% | 1.49% | 1.77% | +35 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 | 0.03% | -0.01% | 0.00% | -0.06% | 0.00% | -0.02% | 0.00% | -0.06% | 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 | |