PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jackson County 1st

Marianna, FL · Charter 67334

NCUA · 2 branches

Q2 2026

$48.9MAssets
$20.2MLoans
$41.1MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, up 8 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.76% of loans (+66 bps YoY).
  • Capital: net worth / assets of 18.06%, down 114 bps from a year ago.
  • Funding: loans stand at 49.25% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.49%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+4 bps YoY

Efficiency Ratio (quarter, annualized)

89.00%+465 bps YoY

Net Worth / Assets

18.06%-114 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.79%0.23%0.41%0.29%0.30%0.49%0.49%+8 bps
Return on Equity3.59%3.88%1.16%2.12%1.52%1.62%2.68%2.69%+57 bps
Net Interest Margin3.59%3.60%3.62%3.53%3.51%3.43%3.47%3.57%+4 bps
Efficiency Ratio80.70%79.85%82.11%84.36%88.75%89.52%88.61%89.00%+465 bps
Growth
Asset Growth (YoY)1.46%3.83%3.00%4.15%9.63%12.01%11.50%7.95%+381 bps
Loan Growth (YoY)-2.22%-2.65%-3.05%-2.24%-1.02%1.34%2.29%7.68%+992 bps
Share Growth (YoY)1.23%4.14%2.38%4.23%11.44%13.02%13.74%9.14%+491 bps
Asset Quality
Delinquent Loans / Loans0.35%0.21%0.24%0.10%0.19%0.12%0.09%0.76%+66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.27%20.34%19.83%19.20%18.87%18.39%18.08%18.06%-114 bps
Net Worth / Assets20.27%20.34%19.83%19.20%18.87%18.39%18.08%18.06%-114 bps
Liquidity & Funding
Loans / Shares54.68%53.89%52.58%49.92%48.57%48.32%47.29%49.25%-66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps