Junction National Bank

Junction National Bank is one of the more profitable banks of its size. Its balance sheet stood at $93 million at June 30, 2026, up 4.9% from a year earlier; it is based in Junction, Texas. It returns 19.8% a year on shareholders' equity, 2.3 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.

Paper losses on its bond portfolio are shrinking: unrealized losses of $3.4 million equal 29% of Tier 1 capital, down from 42% a year earlier. Net income for the quarter rose 23% from a year earlier, to $407,000. Its margin is thin by comparison: it keeps 3.28 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).

As of June 30, 2026, Junction National Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.