| Metric | Jackson Parish Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +3.0% | +5.9 pts |
| Deposit growth (YoY) | +8.9% | +2.5% | +6.4 pts |
| Loan growth (YoY) | +17.5% | +2.6% | +14.9 pts |
| ROA | 1.47% | 0.99% | +0.5 pts |
| ROE | 8.4% | 8.1% | +0.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.3M | $54.4M | $34.2M | $12.6M | $522K | 1.47% | 4.13% | 1.47% |
| Q1 2026 | $67.6M | $55.0M | $32.3M | $12.3M | $194K | 1.06% | 3.99% | 0.72% |
| Q4 2025 | $78.3M | $65.9M | $31.9M | $12.3M | $853K | 1.27% | 4.02% | 0.89% |
| Q3 2025 | $60.8M | $48.3M | $31.5M | $12.1M | $799K | 1.66% | 4.15% | 1.14% |
| Q2 2025 | $61.8M | $49.9M | $29.1M | $11.6M | $550K | 1.68% | 4.02% | 0.73% |
| Q1 2025 | $63.7M | $52.5M | $27.5M | $11.1M | $243K | 1.44% | 3.88% | 0.27% |
| Q4 2024 | $71.1M | $60.5M | $24.1M | $10.5M | $486K | 0.76% | 3.60% | 0.28% |
| Q3 2024 | $57.0M | $45.8M | $22.9M | $10.9M | $331K | 0.71% | 3.65% | 1.22% |
Loan mix (Q2 2026): real estate $22.7M · commercial $4.2M · consumer $7.4M · securities $22.1M
| Ratio | Jackson Parish Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.99% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 8.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 70.8% | 32th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Jackson Parish Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Jackson Parish Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Jackson Parish Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Jackson Parish Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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