Las Vegas, NV · Cert 58806 · JBNV Holding Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #24 of 41 inst. · $0.2B of $95.0B
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 | 1.03% | 1.44% | 1.23% | 1.37% | 0.99% | 1.09% | 0.48% | 0.15% | -122 bps | |
| Return on Equity | 4.50% | 6.84% | 6.10% | 6.65% | 5.09% | 5.70% | 2.50% | 0.84% | -581 bps | |
| Net Interest Margin | 3.77% | 4.00% | 3.72% | 3.73% | 3.69% | 3.90% | 3.61% | 3.56% | -17 bps | |
| Efficiency Ratio | 76.58% | 67.95% | 70.47% | 64.05% | 73.44% | 70.37% | 91.24% | 94.14% | +3,009 bps | |
| Non-Interest Burden | 2.29% | 1.71% | 1.85% | 1.54% | 2.23% | 2.31% | 3.19% | 3.28% | +174 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.80% | 21.70% | 22.12% | 24.26% | 31.94% | 8.36% | 20.11% | 23.16% | -109 bps | |
| Loan Growth (YoY) | 39.89% | 51.30% | 48.06% | 47.94% | 40.33% | 24.70% | 15.05% | -2.13% | -5,008 bps | |
| Deposit Growth (YoY) | 0.81% | 23.21% | 28.00% | 30.90% | 40.76% | 9.04% | 24.59% | 29.52% | -138 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.23% | 0.24% | 0.07% | 0.31% | 0.26% | 0.31% | 0.68% | +61 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.79% | 0.75% | 0.75% | 0.77% | 0.76% | 0.79% | 0.71% | 0.74% | -3 bps | |
| Allowance Coverage of NPLs | n/a | 3.2x | 3.1x | 11.1x | 2.5x | 3.0x | 2.3x | 1.1x | -10.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.31% | 19.83% | 18.34% | 18.20% | 17.20% | 16.68% | 16.22% | 15.93% | -228 bps | |
| Total Risk-Based Capital | 19.31% | 19.83% | 18.34% | 18.20% | 17.20% | 16.68% | 16.22% | 15.93% | -228 bps | |
| Equity / Assets | 22.31% | 19.86% | 20.58% | 20.59% | 18.31% | 19.84% | 18.28% | 17.08% | -351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.12% | 83.61% | 90.34% | 98.63% | 86.86% | 95.62% | 83.43% | 74.52% | -2,411 bps | |
| Liquid Assets / Assets | 18.43% | 20.77% | 16.31% | 12.73% | 21.82% | 15.63% | 24.70% | 29.13% | +1,641 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 244% | 234% | n/a | n/a | |