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 (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 | 1.04% | 1.06% | 1.05% | 1.13% | 1.18% | 1.18% | 1.22% | 1.30% | +16 bps | |
| Return on Equity | 12.35% | 12.64% | 12.61% | 13.51% | 13.87% | 13.69% | 13.69% | 14.62% | +111 bps | |
| Net Interest Margin | 3.14% | 3.14% | 3.45% | 3.39% | 3.40% | 3.38% | 3.46% | 3.40% | +2 bps | |
| Efficiency Ratio | 53.21% | 52.81% | 51.85% | 50.84% | 50.38% | 50.68% | 48.62% | 47.34% | -350 bps | |
| Non-Interest Burden | 1.43% | 1.44% | 1.64% | 1.56% | 1.54% | 1.54% | 1.48% | 1.38% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.95% | 17.07% | 21.65% | 23.91% | 19.63% | 19.21% | 15.78% | 18.88% | -503 bps | |
| Loan Growth (YoY) | 19.83% | 18.75% | 21.10% | 21.52% | 23.44% | 18.97% | 18.29% | 18.27% | -325 bps | |
| Deposit Growth (YoY) | 19.02% | 18.68% | 22.97% | 35.13% | 21.85% | 21.14% | 16.57% | 19.60% | -1,553 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.84% | 0.72% | 0.78% | 0.86% | 0.86% | 0.79% | 0.66% | 0.83% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | -0.01% | 0.01% | 0.09% | 0.03% | 0.04% | +6 bps | |
| Allowance / Loans | 1.39% | 1.42% | 1.44% | 1.48% | 1.55% | 1.55% | 1.56% | 1.59% | +11 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.0x | 1.9x | 1.7x | 1.8x | 1.9x | 2.4x | 1.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.85% | 8.89% | 8.82% | 8.72% | 8.81% | 9.07% | 9.08% | 9.16% | +44 bps | |
| Total Risk-Based Capital | 10.87% | 10.63% | 10.73% | 10.86% | 11.02% | 11.29% | 11.17% | 11.13% | +27 bps | |
| Equity / Assets | 8.50% | 8.39% | 8.32% | 8.48% | 8.86% | 8.88% | 8.91% | 8.82% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.28% | 102.05% | 99.82% | 100.76% | 103.62% | 100.22% | 101.29% | 99.63% | -112 bps | |
| Liquid Assets / Assets | 7.39% | 7.51% | 9.37% | 8.36% | 6.11% | 8.61% | 8.23% | 9.61% | +125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 473% | 455% | 467% | n/a | n/a | |