Shepherdstown, WV · Cert 9997 · JSB Financial Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.1% share · #45 of 71 inst. · $0.3B of $301.4B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.72% | 0.79% | 0.83% | 1.01% | +35 bps | |
| Return on Equity | 11.46% | 12.35% | 13.15% | 12.83% | 15.26% | +380 bps | |
| Net Interest Margin | 2.66% | 2.73% | 2.77% | 3.11% | 3.28% | +62 bps | |
| Efficiency Ratio | 72.21% | 69.83% | 67.62% | 68.07% | 64.24% | -797 bps | |
| Non-Interest Burden | 1.80% | 1.78% | 1.74% | 1.98% | 1.94% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.79% | -3.91% | 4.72% | 6.11% | 2.62% | +83 bps | |
| Loan Growth (YoY) | 4.58% | 4.69% | 6.25% | 6.15% | 5.34% | +76 bps | |
| Deposit Growth (YoY) | 7.37% | -0.29% | 4.89% | 6.51% | 3.85% | -352 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.07% | 0.07% | 0.08% | 0.01% | -2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.02% | 0.00% | 0.01% | -3 bps | |
| Allowance / Loans | 1.05% | 1.07% | 1.08% | 1.10% | 1.12% | +7 bps | |
| Allowance Coverage of NPLs | 38.7x | 14.6x | 15.3x | 14.5x | 116.2x | +77.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.89% | 8.02% | 8.12% | 8.12% | 8.39% | +51 bps | |
| Total Risk-Based Capital | 13.88% | 13.70% | 13.91% | 13.80% | 14.22% | +34 bps | |
| Equity / Assets | 5.93% | 6.18% | 6.50% | 6.46% | 6.90% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.57% | 77.63% | 78.25% | 76.71% | 79.70% | +112 bps | |
| Liquid Assets / Assets | 13.62% | 13.51% | 13.64% | 14.98% | 13.10% | -52 bps | |
| CRE / Total Capital | n/a | 287% | 284% | 291% | n/a | n/a | |