Jonesboro, LA · Cert 9325 · Jonesboro Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | 3.22% | 0.22% | 0.49% | 1.03% | 0.82% | 1.97% | 1.81% | +132 bps | |
| Return on Equity | -9.87% | 60.80% | 4.19% | 9.15% | 17.90% | 13.06% | 32.51% | 29.10% | +1,995 bps | |
| Net Interest Margin | 3.76% | 3.30% | 3.05% | 2.70% | 2.63% | 2.02% | 1.86% | 1.83% | -87 bps | |
| Efficiency Ratio | 107.50% | 36.62% | 78.06% | 34.12% | 48.70% | 44.14% | 29.09% | 32.21% | -191 bps | |
| Non-Interest Burden | 3.82% | -1.60% | 2.65% | 1.28% | 1.30% | 0.18% | -0.26% | -0.06% | -134 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 | 5.85% | 6.01% | 4.84% | 5.48% | 3.53% | 3.16% | 5.69% | 3.93% | -155 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 | |