JD Bank: how it compares with its peers
Against 26 LA banks with half to twice its assets, JD Bank's strongest measure in Q2 2026 is net interest margin (4.28% vs. a 4.29% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.5M).
| Measure | JD Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.52% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 4.29% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.56% | 62.19% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.5M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.84% | 82.21% | Context |
What it means for lending operations
Its efficiency ratio of 70.56% is above the 62.19% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Synergy Bank Houma, LA · $1.28B
- FIDELITY BANK New Orleans, LA · $1.23B
- Jonesboro State Bank Jonesboro, LA · $1.30B
- Sabine State Bank and Trust Company Many, LA · $1.35B
- First Federal Bank of Louisiana Lake Charles, LA · $1.15B
- First American Bank and Trust Vacherie, LA · $1.38B
Questions about JD Bank
How big is JD Bank?
JD Bank, established in 1947, is headquartered in Jennings, LA. It reported $1.26B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is JD Bank's return on assets?
1.11% annualized in Q2 2026, against a 1.52% median for 26 LA banks with half to twice its assets, ahead of 31% of them.
What is JD Bank's efficiency ratio?
70.56% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 62.19%, and lower is better.
Is JD Bank growing its loans?
Net loans grew 1.8% over the year to Q2 2026, while deposits grew 7.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.