Jackson, MS · Cert 57069 · Story Bancshares
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 3.0% share · #8 of 30 inst. · $0.7B of $23.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.78% | 0.90% | 0.83% | 0.94% | +6 bps | |
| Return on Equity | 8.10% | 7.13% | 8.39% | 7.90% | 8.81% | +71 bps | |
| Net Interest Margin | 3.44% | 3.45% | 3.46% | 3.52% | 3.64% | +19 bps | |
| Efficiency Ratio | 70.81% | 73.79% | 69.65% | 71.40% | 68.78% | -203 bps | |
| Non-Interest Burden | 2.25% | 2.42% | 2.26% | 2.36% | 2.34% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.10% | 7.07% | 8.76% | 7.61% | 10.16% | +507 bps | |
| Loan Growth (YoY) | 4.72% | 6.04% | 5.20% | 8.23% | 8.38% | +366 bps | |
| Deposit Growth (YoY) | 4.72% | 6.80% | 9.33% | 8.35% | 16.63% | +1,191 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.01% | 0.00% | 0.37% | +37 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | 0.03% | 0.00% | -3 bps | |
| Allowance / Loans | 0.97% | 0.97% | 0.91% | 0.89% | 0.90% | -7 bps | |
| Allowance Coverage of NPLs | 284.0x | 86.3x | 82.5x | 296.5x | 2.4x | -281.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.95% | 10.98% | 10.48% | 10.73% | 10.81% | -14 bps | |
| Total Risk-Based Capital | 13.51% | 13.74% | 13.13% | 13.29% | 13.24% | -28 bps | |
| Equity / Assets | 10.83% | 11.17% | 10.26% | 10.86% | 10.51% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.33% | 103.13% | 97.42% | 103.31% | 99.73% | -760 bps | |
| Liquid Assets / Assets | 3.58% | 3.78% | 8.64% | 3.63% | 6.62% | +304 bps | |
| CRE / Total Capital | n/a | 370% | 398% | 394% | n/a | n/a | |