JD Bank: 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: 14.38 percentage points higher than in Q1 2026, at 281.01%. Within Louisiana, JD Bank is 59th of 102 on return on assets, 1.15% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. JD Bank sits 0.13 points lower, at 1.15% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.78% |
| Tier 1 risk-based capital ratio | 16.78% |
| Total risk-based capital ratio | 17.79% |
| Tier 1 leverage ratio | 11.88% |
| Equity capital to assets | 10.36% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 4.19% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 281.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 11.42% |
| Net interest margin | 4.25% |
| Efficiency ratio | 69.98% |
| Yield on earning assets | 5.38% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.64% |
| Core deposits to total deposits | 93.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.02% |
| Securities to assets | 26.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.21% | 16.21% | 17.46% | 10.85% | 1.19% |
| Q4 2023 | 15.72% | 15.72% | 16.96% | 10.67% | -0.64% |
| Q1 2024 | 16.08% | 16.08% | 17.23% | 11.20% | 1.30% |
| Q2 2024 | 15.80% | 15.80% | 16.93% | 11.23% | 1.09% |
| Q3 2024 | 15.98% | 15.98% | 17.07% | 11.32% | 1.30% |
| Q4 2024 | 16.25% | 16.25% | 17.35% | 11.34% | 1.15% |
| Q1 2025 | 16.20% | 16.20% | 17.29% | 11.50% | 1.05% |
| Q2 2025 | 15.92% | 15.92% | 17.02% | 11.64% | 1.06% |
| Q3 2025 | 16.22% | 16.22% | 17.27% | 11.66% | 1.30% |
| Q4 2025 | 16.46% | 16.46% | 17.48% | 11.92% | 1.16% |
| Q1 2026 | 16.67% | 16.67% | 17.72% | 11.79% | 1.04% |
| Q2 2026 | 16.78% | 16.78% | 17.79% | 11.88% | 1.15% |
JD Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock JD Bank, 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 JD Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16546) · FFIEC NIC profile (RSSD 980531)