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Jonesboro State Bank

Jonesboro, LA · Cert 9325 · Jonesboro Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.3BAssets
$75.9MLoans
$1.2BDeposits
$86.1MEquity
Loan mix
28%RE $18.6M11%C&I $7.1M61%Consumer $40.5MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $1.2B2%Noninterest $0.0BQ2 2025Q2 2026

NIM

6.08%Q2 ’245.59%Q2 ’255.20%Q2 ’26-23%-32%

Non-interest income vs. expense

0.89%Q2 ’241.00%Q2 ’250.88%Q2 ’26+9668%-109%

Executive Summary

  • Earnings: ROA of 1.90%, up 153 bps year over year; NIM at 1.84%.
  • Asset quality: problem loans at 1.64% of loans (+60 bps YoY), with net charge-offs at 4.95%.
  • Capital: tier 1 leverage ratio of 7.67%, up 48 bps from a year ago.
  • Funding: loans stand at 6.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.90%+153 bps YoY

Net Interest Margin (YTD, annualized)

1.84%-86 bps YoY

Efficiency Ratio (YTD, annualized)

30.60%-2,233 bps YoY

Tier 1 Leverage Ratio

7.67%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.61%0.67%1.97%1.90%+153 bps
Return on Equity6.97%11.08%11.74%32.51%30.28%+2,331 bps
Net Interest Margin2.70%2.66%2.36%1.86%1.84%-86 bps
Efficiency Ratio52.93%51.20%48.66%29.09%30.60%-2,233 bps
Non-Interest Burden1.81%1.63%1.18%-0.26%-0.16%-197 bps
Growth
Asset Growth (YoY)44.42%43.54%36.85%23.26%14.77%-2,965 bps
Loan Growth (YoY)-30.98%-34.73%-37.39%-37.63%-34.28%-330 bps
Deposit Growth (YoY)42.67%42.56%34.45%22.83%13.53%-2,914 bps
Asset Quality
Nonperforming Loans / Loans1.04%1.02%1.24%2.11%1.64%+60 bps
Net Charge-Offs / Loans5.42%5.24%5.26%5.69%4.95%-46 bps
Allowance / Loans3.62%3.19%2.76%2.38%2.03%-159 bps
Allowance Coverage of NPLs3.5x3.1x2.2x1.1x1.2x-2.2x
Capital
Tier 1 Leverage Ratio7.19%7.39%7.07%7.26%7.67%+48 bps
Total Risk-Based Capital21.78%21.75%22.80%21.11%18.99%-279 bps
Equity / Assets5.33%6.15%6.34%5.81%6.63%+130 bps
Liquidity & Funding
Loans / Deposits10.87%9.34%7.90%6.63%6.29%-458 bps
Liquid Assets / Assets0.90%2.10%3.52%1.08%1.47%+57 bps
CRE / Total Capitaln/a6.25%6.07%5.65%n/an/a