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 (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 | 1.43% | 0.53% | 0.56% | 0.75% | 0.85% | 0.98% | 0.83% | 1.18% | +43 bps | |
| Return on Equity | 29.20% | 9.95% | 9.96% | 12.91% | 14.00% | 15.41% | 12.83% | 17.69% | +478 bps | |
| Net Interest Margin | 3.27% | 2.54% | 2.58% | 2.77% | 2.88% | 3.06% | 3.11% | 3.47% | +70 bps | |
| Efficiency Ratio | 55.31% | 70.64% | 75.34% | 69.31% | 65.44% | 61.75% | 68.07% | 60.84% | -847 bps | |
| Non-Interest Burden | 1.62% | 1.67% | 1.84% | 1.79% | 1.73% | 1.72% | 1.98% | 1.91% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.81% | 7.24% | 2.52% | 1.79% | -3.91% | 4.72% | 6.11% | 2.62% | +83 bps | |
| Loan Growth (YoY) | 10.14% | 8.69% | 4.62% | 4.58% | 4.69% | 6.25% | 6.15% | 5.34% | +76 bps | |
| Deposit Growth (YoY) | 16.75% | 16.17% | 9.83% | 7.37% | -0.29% | 4.89% | 6.51% | 3.85% | -352 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.02% | 0.03% | 0.07% | 0.07% | 0.08% | 0.01% | -2 bps | |
| Net Charge-Offs / Loans | -0.25% | 0.00% | 0.07% | 0.01% | -0.01% | 0.01% | 0.00% | 0.03% | +2 bps | |
| Allowance / Loans | 1.06% | 1.07% | 1.05% | 1.05% | 1.07% | 1.08% | 1.10% | 1.12% | +7 bps | |
| Allowance Coverage of NPLs | 86.1x | 87.4x | 53.7x | 38.7x | 14.6x | 15.3x | 14.5x | 116.2x | +77.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.47% | 7.62% | 7.79% | 7.89% | 8.02% | 8.12% | 8.12% | 8.39% | +51 bps | |
| Total Risk-Based Capital | 13.70% | 13.91% | 13.54% | 13.88% | 13.70% | 13.91% | 13.80% | 14.22% | +34 bps | |
| Equity / Assets | 5.04% | 5.53% | 5.71% | 5.93% | 6.18% | 6.50% | 6.46% | 6.90% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.93% | 77.24% | 76.97% | 78.57% | 77.63% | 78.25% | 76.71% | 79.70% | +112 bps | |
| Liquid Assets / Assets | 17.28% | 13.62% | 13.70% | 13.62% | 13.51% | 13.64% | 14.98% | 13.10% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 287% | 284% | 291% | n/a | n/a | |