Bank of Jamestown: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 125.35 percentage points higher than in Q1 2026, at 649.72%. Within Kentucky, Bank of Jamestown is 59th of 119 on return on assets, 1.29% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Jamestown sits 0.04 points higher, at 1.29% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.96% |
| Equity capital to assets | 12.53% |
| Tangible equity to tangible assets | 12.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 1.08% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 649.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 9.98% |
| Net interest margin | 3.64% |
| Efficiency ratio | 53.91% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.11% |
| Core deposits to total deposits | 92.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 72.87% |
| Securities to assets | 30.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.55% | 1.14% | 3.14% | 0.31% | -0.01% |
| Q4 2023 | 12.52% | 1.12% | 3.23% | 0.29% | 0.01% |
| Q1 2024 | 12.46% | 1.02% | 3.12% | 0.29% | -0.01% |
| Q2 2024 | 12.57% | 1.08% | 3.18% | 0.28% | -0.02% |
| Q3 2024 | 12.70% | 1.19% | 3.31% | 0.37% | 0.00% |
| Q4 2024 | 12.77% | 1.06% | 3.30% | 0.27% | 0.08% |
| Q1 2025 | 12.83% | 1.15% | 3.26% | 0.27% | 0.00% |
| Q2 2025 | 13.03% | 1.36% | 3.58% | 0.25% | 0.00% |
| Q3 2025 | 12.96% | 1.39% | 3.67% | 0.28% | 0.00% |
| Q4 2025 | 13.19% | 1.52% | 3.70% | 0.28% | 0.01% |
| Q1 2026 | 13.40% | 1.21% | 3.50% | 0.28% | 0.01% |
| Q2 2026 | 12.96% | 1.29% | 3.64% | 0.23% | 0.13% |
Bank of Jamestown vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Jamestown, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Jamestown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8118) · FFIEC NIC profile (RSSD 567240)