PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jackson Area

Jackson, MS · Charter 8445

NCUA · 3 branches

Q2 2026

$60.9MAssets
$42.1MLoans
$136.2MShares
$-88480KNet Worth

Executive Summary

  • Earnings: ROA of -338.49%, down 33,906 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 1.49% of loans (+1 bps YoY).
  • Capital: net worth / assets of -145.36%, down 15,506 bps from a year ago.
  • Funding: loans stand at 30.91% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-338%-33,906 bps YoY

Net Interest Margin (quarter, annualized)

3.23%+167 bps YoY

Efficiency Ratio (quarter, annualized)

4796%+471,687 bps YoY

Net Worth / Assets

-145.36%-15,506 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.53%0.38%0.57%0.57%0.76%-514%-338%-33,906 bps
Return on Equity5.94%5.52%3.98%5.89%6.24%8.38%n/an/an/a
Net Interest Margin1.82%1.76%1.46%1.56%1.61%1.47%3.47%3.23%+167 bps
Efficiency Ratio79.26%80.49%75.91%79.12%74.02%70.32%5582%4796%+471,687 bps
Growth
Asset Growth (YoY)11.04%7.44%8.12%2.94%10.20%16.08%-50.16%-57.48%-6,042 bps
Loan Growth (YoY)1.95%2.08%2.82%-1.42%-1.38%-1.59%-3.72%-8.31%-689 bps
Share Growth (YoY)11.55%6.87%8.51%2.76%7.35%17.87%14.47%5.47%+270 bps
Asset Quality
Delinquent Loans / Loans1.04%1.41%1.39%1.48%1.29%1.86%1.19%1.49%+1 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 Capital9.56%9.64%9.51%9.70%9.20%9.06%-107.94%-145.36%-15,506 bps
Net Worth / Assets9.56%9.64%9.51%9.70%9.20%9.06%-107.94%-145.36%-15,506 bps
Liquidity & Funding
Loans / Shares36.63%36.65%35.03%35.56%33.65%30.60%29.46%30.91%-464 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps