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 | |