Jonesboro, LA · Cert 9325 · Jonesboro Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
7
Profitability
63
Liquidity
0
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jonesboro, LA · Cert 9325 · Jonesboro Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 0.51% | 1.23% | 0.22% | 0.36% | 0.61% | 0.67% | 1.97% | 1.90% | +153 bps | |
| Return on Equity | 10.72% | 25.90% | 4.19% | 6.97% | 11.08% | 11.74% | 32.51% | 30.28% | +2,331 bps | |
| Net Interest Margin | 3.56% | 3.28% | 3.05% | 2.70% | 2.66% | 2.36% | 1.86% | 1.84% | -86 bps | |
| Efficiency Ratio | 28.22% | 32.17% | 78.06% | 52.93% | 51.20% | 48.66% | 29.09% | 30.60% | -2,233 bps | |
| Non-Interest Burden | 1.29% | 0.49% | 2.65% | 1.81% | 1.63% | 1.18% | -0.26% | -0.16% | -197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.50% | 18.86% | 35.65% | 44.42% | 43.54% | 36.85% | 23.26% | 14.77% | -2,965 bps | |
| Loan Growth (YoY) | -8.59% | -9.65% | -20.93% | -30.98% | -34.73% | -37.39% | -37.63% | -34.28% | -330 bps | |
| Deposit Growth (YoY) | 16.08% | 17.55% | 33.95% | 42.67% | 42.56% | 34.45% | 22.83% | 13.53% | -2,914 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.18% | 1.09% | 0.94% | 1.04% | 1.02% | 1.24% | 2.11% | 1.64% | +60 bps | |
| Net Charge-Offs / Loans | 7.14% | 7.34% | 4.84% | 5.42% | 5.24% | 5.26% | 5.69% | 4.95% | -46 bps | |
| Allowance / Loans | 4.27% | 4.64% | 4.19% | 3.62% | 3.19% | 2.76% | 2.38% | 2.03% | -159 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.3x | 4.5x | 3.5x | 3.1x | 2.2x | 1.1x | 1.2x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.46% | 8.57% | 8.00% | 7.19% | 7.39% | 7.07% | 7.26% | 7.67% | +48 bps | |
| Total Risk-Based Capital | 21.01% | 20.55% | 21.25% | 21.78% | 21.75% | 22.80% | 21.11% | 18.99% | -279 bps | |
| Equity / Assets | 5.81% | 4.82% | 5.44% | 5.33% | 6.15% | 6.34% | 5.81% | 6.63% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.40% | 16.97% | 13.05% | 10.87% | 9.34% | 7.90% | 6.63% | 6.29% | -458 bps | |
| Liquid Assets / Assets | 4.47% | 3.17% | 0.15% | 0.90% | 2.10% | 3.52% | 1.08% | 1.47% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 6.25% | 6.07% | 5.65% | n/a | n/a | |
Jonesboro, LA · Cert 9325 · Peer group: banks $1B-$10B in assets (n=322-328) · Jonesboro Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.85%
Rank 33 of 328
Net Interest Margin
1.84%
Rank 322 of 328
Efficiency Ratio
30.60%
Rank 10 of 328
Equity / Assets
6.63%
Rank 325 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.85% | 0.91% | 1.22% | 1.52% | Beats 90% | 33 / 328 | ||
| Return on Equity | 27.94% | 8.43% | 11.45% | 14.43% | Beats 97% | 9 / 328 | ||
| Net Interest Margin | 1.84% | 3.03% | 3.45% | 3.83% | Beats 2% | 322 / 328 | ||
| Efficiency Ratio | 30.60% | 51.61% | 59.56% | 67.53% | Beats 97% | 10 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.64% | 0.24% | 0.51% | 1.03% | Beats 13% | 281 / 322 | ||
| Net Charge-Offs / Loans | 3.28% | 0.01% | 0.03% | 0.10% | Beats 1% | 319 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.70% | 11.75% | 13.15% | 15.47% | Beats 88% | 41 / 328 | ||
| Total Risk-Based Capital Ratio | 18.99% | 12.63% | 14.15% | 16.46% | Beats 87% | 44 / 328 | ||
| Equity / Assets | 6.63% | 9.15% | 10.33% | 12.01% | Beats 1% | 325 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 6.29% | 76.63% | 87.92% | 95.36% | 1st pctl | 321 / 323 | ||
| Loans / Assets | 5.85% | 65.18% | 74.15% | 79.98% | 2nd pctl | 321 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||