Springfield, MO · Cert 8252 · Jamesmark Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 9.3% share · #3 of 41 inst. · $1.7B of $17.8B
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 | 1.20% | 1.26% | 1.17% | 1.22% | 1.38% | +17 bps | |
| Return on Equity | 14.35% | 14.52% | 13.20% | 13.69% | 15.53% | +118 bps | |
| Net Interest Margin | 3.56% | 3.72% | 3.56% | 3.46% | 3.51% | -5 bps | |
| Efficiency Ratio | 49.94% | 49.58% | 51.51% | 48.62% | 46.17% | -377 bps | |
| Non-Interest Burden | 1.59% | 1.64% | 1.63% | 1.48% | 1.36% | -23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.91% | 19.63% | 19.21% | 15.78% | 18.88% | -503 bps | |
| Loan Growth (YoY) | 21.52% | 23.44% | 18.97% | 18.29% | 18.27% | -325 bps | |
| Deposit Growth (YoY) | 35.13% | 21.85% | 21.14% | 16.57% | 19.60% | -1,553 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.86% | 0.79% | 0.66% | 0.83% | -3 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.06% | 0.32% | 0.03% | 0.05% | +9 bps | |
| Allowance / Loans | 1.48% | 1.55% | 1.55% | 1.56% | 1.59% | +11 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.9x | 2.4x | 1.9x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.72% | 8.81% | 9.07% | 9.08% | 9.16% | +44 bps | |
| Total Risk-Based Capital | 10.86% | 11.02% | 11.29% | 11.17% | 11.13% | +27 bps | |
| Equity / Assets | 8.48% | 8.86% | 8.88% | 8.91% | 8.82% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.76% | 103.62% | 100.22% | 101.29% | 99.63% | -112 bps | |
| Liquid Assets / Assets | 8.36% | 6.11% | 8.61% | 8.23% | 9.61% | +125 bps | |
| CRE / Total Capital | n/a | 473% | 455% | 467% | n/a | n/a | |