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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.95% | 1.97% | 1.98% | 1.87% | 1.92% | -3 bps | |
| Return on Equity | 18.97% | 18.97% | 18.90% | 17.12% | 17.55% | -143 bps | |
| Net Interest Margin | 4.55% | 4.53% | 4.45% | 4.57% | 4.53% | -2 bps | |
| Efficiency Ratio | 46.53% | 45.68% | 46.68% | 47.08% | 45.85% | -68 bps | |
| Non-Interest Burden | 1.86% | 1.80% | 1.82% | 1.89% | 1.78% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 8.24% | 9.27% | 12.42% | 13.67% | +616 bps | |
| Loan Growth (YoY) | 9.13% | 11.16% | 11.16% | 13.79% | 16.22% | +709 bps | |
| Deposit Growth (YoY) | 8.84% | 9.44% | 7.46% | 9.31% | 8.13% | -71 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.64% | 0.74% | 1.12% | 1.48% | +90 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.05% | 0.03% | +1 bps | |
| Allowance / Loans | 1.45% | 1.43% | 1.45% | 1.44% | 1.45% | -1 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.2x | 2.0x | 1.3x | 1.0x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.57% | 11.77% | 11.71% | 11.95% | 12.03% | +46 bps | |
| Total Risk-Based Capital | 16.06% | 15.80% | 15.91% | 15.82% | 15.89% | -17 bps | |
| Equity / Assets | 10.43% | 10.61% | 10.98% | 10.88% | 10.91% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.48% | 95.56% | 96.30% | 96.59% | 99.40% | +692 bps | |
| Liquid Assets / Assets | 8.08% | 7.52% | 5.96% | 7.36% | 7.23% | -85 bps | |
| CRE / Total Capital | n/a | 349% | 348% | 360% | n/a | n/a | |