Blackshear, GA · Cert 5694 · Jones Bancshares L P
State charter, non-member · FDIC · 8 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
40
Profitability
90
Liquidity
15
Efficiency
86
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.
Blackshear, GA · Cert 5694 · Jones Bancshares L P
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Brunswick-St. Simons, GA · 2026 SOD (annual) · 11.3% share · #3 of 14 inst. · $0.4B of $3.4B
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 | 1.51% | 1.63% | 1.89% | 1.95% | 1.97% | 1.98% | 1.87% | 1.92% | -3 bps | |
| Return on Equity | 15.83% | 16.84% | 18.52% | 18.97% | 18.97% | 18.90% | 17.12% | 17.55% | -143 bps | |
| Net Interest Margin | 4.02% | 4.01% | 4.49% | 4.55% | 4.53% | 4.45% | 4.57% | 4.53% | -2 bps | |
| Efficiency Ratio | 52.77% | 52.07% | 47.87% | 46.53% | 45.68% | 46.68% | 47.08% | 45.85% | -68 bps | |
| Non-Interest Burden | 1.89% | 1.84% | 1.90% | 1.86% | 1.80% | 1.82% | 1.89% | 1.78% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.57% | 10.49% | 8.80% | 7.51% | 8.24% | 9.27% | 12.42% | 13.67% | +616 bps | |
| Loan Growth (YoY) | 12.69% | 12.41% | 10.69% | 9.13% | 11.16% | 11.16% | 13.79% | 16.22% | +709 bps | |
| Deposit Growth (YoY) | 10.90% | 9.02% | 8.23% | 8.84% | 9.44% | 7.46% | 9.31% | 8.13% | -71 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.51% | 0.54% | 0.59% | 0.64% | 0.74% | 1.12% | 1.48% | +90 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0.05% | 0.03% | +1 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.46% | 1.45% | 1.43% | 1.45% | 1.44% | 1.45% | -1 bps | |
| Allowance Coverage of NPLs | 3.4x | 2.8x | 2.7x | 2.5x | 2.2x | 2.0x | 1.3x | 1.0x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 10.84% | 11.31% | 11.57% | 11.77% | 11.71% | 11.95% | 12.03% | +46 bps | |
| Total Risk-Based Capital | 14.89% | 15.44% | 15.83% | 16.06% | 15.80% | 15.91% | 15.82% | 15.89% | -17 bps | |
| Equity / Assets | 9.70% | 10.00% | 10.38% | 10.43% | 10.61% | 10.98% | 10.88% | 10.91% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.08% | 93.09% | 92.79% | 92.48% | 95.56% | 96.30% | 96.59% | 99.40% | +692 bps | |
| Liquid Assets / Assets | 6.82% | 5.59% | 6.43% | 8.08% | 7.52% | 5.96% | 7.36% | 7.23% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 349% | 348% | 360% | n/a | n/a | |
Blackshear, GA · Cert 5694 · Peer group: banks $1B-$10B in assets (n=322-328) · Jones Bancshares L P
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.84%
Rank 35 of 328
Net Interest Margin
4.53%
Rank 26 of 328
Efficiency Ratio
47.03%
Rank 46 of 328
Equity / Assets
10.91%
Rank 134 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.91% | 1.22% | 1.52% | Beats 89% | 35 / 328 | ||
| Return on Equity | 16.85% | 8.43% | 11.45% | 14.43% | Beats 88% | 39 / 328 | ||
| Net Interest Margin | 4.53% | 3.03% | 3.45% | 3.83% | Beats 92% | 26 / 328 | ||
| Efficiency Ratio | 47.03% | 51.61% | 59.56% | 67.53% | Beats 86% | 46 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.48% | 0.24% | 0.51% | 1.03% | Beats 16% | 273 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 63% | 119 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.63% | 11.75% | 13.15% | 15.47% | Beats 68% | 106 / 328 | ||
| Total Risk-Based Capital Ratio | 15.89% | 12.63% | 14.15% | 16.46% | Beats 71% | 94 / 328 | ||
| Equity / Assets | 10.91% | 9.15% | 10.33% | 12.01% | Beats 59% | 134 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.40% | 76.63% | 87.92% | 95.36% | 83rd pctl | 54 / 323 | ||
| Loans / Assets | 82.37% | 65.18% | 74.15% | 79.98% | 83rd pctl | 57 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||