{"success":true,"data":{"pressRelease":{"id":"97333","rtpr_id":"nACSYTF5ka","ticker":"JDVB","exchange":"OTC","all_tickers":["JDVB"],"title":"JD Bancshares, Inc. Announces Q2 2026 Financial Results ","author":"ACCESSWIRE","published_at":"2026-07-23T20:15:02.865Z","article_body":"JENNINGS, LA / ACCESS Newswire (https://www.accessnewswire.com/) / July 23,\n2026 / JD Bancshares, Inc. (the \"Company\") (OTCQX:JDVB), the parent holding\ncompany of JD Bank (the \"Bank\"), reports its unaudited financial results for\nthe three- and six- month periods ended June 30, 2026.\n\nNet income for the three-month period ended June 30, 2026 is $3,329,725 or\n$0.97 per common share compared to $2,966,937 or $0.87 per common share for\nthe linked quarter ended March 31, 2026, and $2,926,582 or $0.85 per share for\nthe prior year quarter ended June 30, 2025. Pre-tax, pre-provision operating\nincome (PTPPOI) for the quarter ended June 30, 2026 is $4,047,623 compared to\n$4,245,847 for the linked quarter and $3,843,052 for the prior year quarter.\nPTPPOI excludes taxes, provision for credit losses, net losses on the sale of\nother real estate owned (OREO), net losses on the sale of investment\nsecurities and other non-recurring expense items. The $198,000 decrease in the\ncurrent quarter PTPPOI compared to the linked quarter is due to a $242,000\nincrease in net interest income which is offset by a $238,000 decrease in\nrecurring non-interest income and a $202,000 increase in recurring\nnon-interest expense. The $205,000 increase between current and prior year\nPTPPOI is due to a $664,000 increase in net interest income and a $111,000\nincrease in recurring non-interest income, partially offset by an increase in\nrecurring non-interest expenses of $571,000.\n\nFor the six-month period ended June 30, 2026, net income is $6,296,662 or\n$1.84 per share compared to $5,852,233 or $1.71 per share for the prior year\ncomparative period. PTPPOI for the current six-month period is $8,293,470\ncompared to $7,455,493 for the prior year period. The $838,000 increase is\nprimarily due to a $1.7 million increase in net interest income and a $595,000\nincrease in recurring non-interest income, partially offset by a $1.5 million\nincrease in recurring non-interest expenses.\n\nPaul E. Brummett, II CEO, commented, \"I am pleased to share that our quarterly\nfinancial results reflect the strength of our team, the loyalty of our\ncustomers, and the confidence of our shareholders. This quarter's performance\ndemonstrates our disciplined approach to growth, sound risk management, and\ncommitment to delivering long-term value. I want to thank our entire team for\ntheir hard work and focus on providing exceptional service while maintaining\nthe highest standards of safety and soundness. Asset quality is very solid as\npast dues continued to decline for the current period. As we look forward, we\nremain optimistic about the opportunities before us. We will continue to\ninvest in our team, technology, and the communities we serve while staying\ntrue to our vision \"To Be The Best Community Bank in Louisiana\".\"\n\nAsset Quality\n\nLoans past due 30 to 89 days are $826,000 representing 0.11% of the total loan\nportfolio at June 30, 2026 compared to $1.8 million or 0.23% at December 31,\n2025. Total nonperforming assets, including loans on non-accrual status, OREO\nand repossessed assets were $5.8 million at June 30, 2026, a decrease of $1.0\nmillion from $6.8 million at December 31, 2025. Loans currently in non-accrual\nstatus decreased to $3.2 million from $3.9 million at year-end 2025 and OREO\nis currently $2.5 million compared to $3.0 million for the same period.\nRepossessed assets were $95,000 at June 30, 2026, compared to $39,000 at\nDecember 31, 2025. Management performs a quarterly evaluation of OREO\nproperties and believes their adjusted carrying values are representative of\ntheir fair market values, although there is no assurance that the ultimate\nsales will be equal or greater than the carrying values.\n\nProvision for credit losses is $17,000 for the current quarter compared to\n$326,000 for the linked quarter and $310,000 for the prior year quarter. The\nAllowance for Credit Losses (ACL) is $8.9 million at June 30, 2026, or 1.14%\nof total loans compared to $8.9 million at December 31, 2025, or 1.15% of\ntotal loans. The Bank recognized net charge-offs in the current quarter of\n$276,000 compared to net charge-offs of $5,000 for the linked quarter and net\nrecoveries of $31,000 for the prior year quarter. There are net charge-offs of\n$281,000 for the six-month period ended June 30, 2026, and net recoveries of\n$4,000 for the prior year six-month period. Management believes the current\nlevel of ACL is adequate; however, there is no assurance that regulators,\nincreased risks in the loan portfolio or changes in economic conditions will\nnot require future adjustments to the ACL.\n\nNet Interest Income\n\nFor the quarter ended June 30, 2026, net interest income is $12.1 million,\nreflecting a $242,000 increase over the $11.9 million for the linked quarter\nand a $664,000 increase compared to the $11.5 million reported for the prior\nyear quarter. When comparing the current quarter's net interest income to the\nlinked quarter and the prior year quarter, the favorable impact on interest\nincome was due to higher volume and higher yields on average earning assets\nwhich outpaced the increase in volume of total interest-bearing liabilities.\n\nTotal interest income for the current quarter is $15.8 million compared to\n$15.4 million for the linked quarter and $15.0 million for the prior year\nquarter. Interest income on loans for the current quarter is $13.1 million,\nreflecting a $250,000 increase compared to the linked quarter and a $578,000\nincrease over the prior year quarter. Average loans outstanding are $772.6\nmillion, $772.3 million and $749.9 million for the current, linked, and prior\nyear quarters, respectively. The average yield on the loan portfolio for the\nthree comparative quarters is 6.82%, 6.76% and 6.71%, respectively. Interest\nincome from other earning assets is $2.7 million for Q2 2026, reflecting\nincreases from the $2.5 million recorded in Q1 2026 and the $2.4 million in Q2\n2025. The increase in interest income from other earning assets was due\nprimarily to increases in the volume of earning assets. The overall yield on\nearning assets is 5.38%, 5.34% and 5.31% for the three comparative quarters,\nrespectively.\n\nTotal interest expense is $3.7 million for the current quarter and $3.5\nmillion for the linked and prior year quarters. The increase in interest\nexpense between the current, linked and prior year quarter is attributed to an\nincrease in the average interest-bearing liabilities outstanding. The cost of\ninterest-bearing liabilities is 1.62% for the current quarter, 1.59% for the\nlinked quarter, and 1.63% for the prior year quarter. When taking into account\nthe effect of noninterest-bearing deposits, the cost of total funds is 1.29%\nfor the current quarter, 1.25% for the linked quarter and 1.28% for the prior\nyear quarter.\n\nThe net interest margin is 4.14% in the current and linked quarters compared\nto 4.08% for the prior year quarter. The increase in the yield on earning\nassets was offset by a corresponding increase in cost of funds between the\nfirst and second quarters of 2026, while the increase in the yield on earning\nassets outpaced the increase in cost of funds between the current and prior\nyear quarters.\n\nNet interest income is $24.0 million for the six-month period ended June 30,\n2026, compared to $22.3 million for the prior year period ended June 30, 2025.\nNet interest margin for the current six-month period is 4.14% compared to\n3.99% for the comparative 2025 period. The total yield on earning assets\nincreased to 5.36% from 5.22% due to increases in both yield and volume of\ntotal earning assets. The cost of interest-bearing liabilities decreased to\n1.61% from 1.63% and the overall cost of funds decreased to 1.27% from 1.29%.\n\nNoninterest Income\n\nTotal noninterest income is $2.9 million for the current and linked quarters,\nup $107,000 from $2.8 million for the prior year quarter. Service charges and\nfees associated with deposits accounted for the largest category of\nnoninterest income and are $2.2 million in the current quarter, $2.1 million\nin the linked and prior year quarters. Interchange revenue from debit card\nusage remains relatively stable at $1.2 million across the comparative\nquarters. NSF fees totaled $688,000 for the quarter ended June 30, 2026,\ncompared to $666,000 for the linked quarter and $638,000 for the prior year\nquarter. Service charges on deposit accounts remain relatively constant at\n$186,000, $191,000 and $190,000 for the three comparative periods,\nrespectively.\n\nRevenue from the sale of mortgage loans is $128,000 for the current quarter\ncompared to $139,000 for the linked quarter and $88,000 for the prior year\nquarter.\n\nOther noninterest income is $592,000 for the current quarter, $648,000 for the\nlinked quarter and $621,000 for the prior year quarter. The largest components\nof other noninterest income are revenues from trust services and wealth\nmanagement. The total of these two revenue streams is $312,000, $423,000 and\n$365,000 for the three comparative periods, respectively.\n\nNoninterest income for the six-month period ended June 30, 2026 is $5.7\nmillion reflecting an increase of $339,000 from the $5.4 million for the prior\nyear six-month period. Compared to the prior year, service charges and fees on\ndeposit accounts are $4.2 million, reflecting a $153,000 increase, gains on\nthe sale of mortgage loans are $266,000, reflecting a $93,000 increase and\nother non-interest income is $1.2 million, reflecting a $94,000 increase.\n\nNoninterest Expense\n\nTotal noninterest expense is $11.0 million for the quarter ended June 30,\n2026, compared to $10.9 million for the linked quarter and $10.4 million for\nthe prior year quarter. Salary and employee benefit expenses for the current\nquarter are $6.1 million, $6.0 million for the linked quarter and $5.9 million\nfor the prior year quarter. The $153,000 or 2.6% increase between the current\nand linked quarter is associated with annual merit increases which are\neffective April 1 of each year. The $240,000 or 4.1% increase between the\ncurrent and prior year is attributed to annual merit increases and increases\nassociated with grant awards.\n\nOccupancy expenses are $1.6 million for the current quarter, $1.5 million for\nthe linked quarter, and $1.4 million for the prior year quarter. Advertising\nand public relations expenses are $414,000, $396,000 and $375,000 for the\nthree comparative quarters, respectively. Data processing expenses are $1.3\nmillion in the current quarter, $1.4 million in the linked quarter, and $1.1\nmillion in the prior year quarter.\n\nOther noninterest expenses are $1.6 million for Q2 2026 and $1.7 million for\nQ1 2026 and Q2 2025. The largest components of noninterest expenses are\ncomprised of professional fees, accruals for ad valorem taxes, fraud and other\nlosses, FDIC insurance assessments and telecommunication expenses. The\ndecrease between the current and comparative quarters is primarily due to a\ndecrease in board related expenses and fraud and other losses. Non-recurring\nexpenses associated with OREO losses amounted to $41,000 in the current\nquarter, $108,000 in the linked quarter and $52,000 in the prior year quarter.\n\nTotal noninterest expenses for the six-month period ended June 30, 2026 are\n$21.8 million, up $1.5 million or 7.4% from $20.3 million for the prior year\nperiod. Increases include salaries and employee benefits of $681,000,\noccupancy expenses of $226,000, advertising and public relations expenses of\n$71,000, data processing of $357,000 and other non-interest expenses of\n$162,000. Non-recurring expenses for the two six-month periods include losses\non OREO of $149,000 and $150,000 for the current and prior year periods,\nrespectively.\n\nIncome tax expense is $660,000 for the current quarter compared to $593,000\nfor the linked quarter and $559,000 for the June 2025 quarter. The effective\ntax rate remains relatively constant over the three comparative periods at\n16.6% in the current quarter, 16.7% for the linked quarter and 16.0% in the\nprior year quarter. Year-to-date, income tax expense is $1.3 million with an\neffective tax rate of 16.6% compared to $1.1 million with an effective tax\nrate of 16.0% for the prior year six-month period.\n\nBalance Sheet\n\nTotal assets at both June 30, 2026 and December 31, 2025 are $1.3 billion.\nGross loans, net of unearned income, represent the largest asset category at\n$780.7 million which is an increase of $9.6 million or 1.2% from $771.1\nmillion reported at the prior year-end. The six-month period increase in loans\noccurred from March 31, 2026 to June 30, 2026. Total cash has declined by $2.8\nmillion from $72.3 million at December 31, 2025 to $69.5 million at June 30,\n2026. Cash is used to fund loans and growth in other asset categories, as well\nas to satisfy deposit fluctuations. Investment securities declined by $6.2\nmillion to $336.6 million from $342.7 million and is the result of principal\npaydowns of $6.6 million and an increase in fair market value of the portfolio\nof $374,000.\n\nOver the six months ended June 30, 2026, total deposits decreased by $2.9\nmillion or 0.3% and are $1.1 billion at both June 30, 2026 and December 31,\n2025. Non-interest bearing demand deposits are up by $2.4 million, savings and\nmoney market deposit are up by $10.1 million, and time deposits are up by\n$19.8 million. More than offsetting these increases is a decline of $35.2\nmillion in interest-bearing demand deposits. The Company has deposit\nrelationships with several municipalities and other public unit entities whose\ndeposit balances tend to be very large at year-end and then run-off throughout\nthe year. Deposit balances categorized as public unit deposits have decreased\nby $25.6 million over the current six-month period. The overall six-month\ndecrease in deposits is comprised of a $100,000 decrease between December 31,\n2025 and March 31, 2026, and a $2.8 million decrease between March 31, 2026\nand June 30, 2026.\n\nThe total of all other liabilities decreased by $665,000 to $35.8 million from\n$36.5 million at December 31, 2025. The decrease is attributable to a decrease\nin accrued liabilities partially offset by an increase in other borrowings.\n\nStockholders' equity increased $4.4 million to $107.5 million at June 30, 2026\nfrom $103.1 million at December 31, 2025. The increase is attributed to $6.3\nmillion in net income and a $300,000 decrease in the accumulated other\ncomprehensive loss (AOCL), partially offset by $2.1 million in dividends paid\nto shareholders. Total shares outstanding at June 30, 2026 are 3,427,922\ncompared to 3,425,945 at December 31, 2025. Tangible book value per share is\ncurrently $30.17 compared to $28.86 at December 31, 2025.\n\nKey Performance Ratios\n\nReturn on average assets (ROA) under Generally Accepted Accounting Principles\n(GAAP) is 1.06% for the current quarter compared to 0.97% for the linked\nquarter and 0.98% for the prior year quarter. GAAP ROA for the six-month\nperiod ended June 30, 2026 is 1.02% compared to 0.99% for the prior year\nperiod. On a PTPPOI basis, ROA is 1.29%, 1.38% and 1.29% for the three\ncomparative quarters respectively, and 1.34% and 1.26% for the comparative\nsix-month periods. GAAP return on average equity (ROE) is 12.70% for the\ncurrent three-month period, 11.52% for the linked period and 13.34% for the\nprior year period. ROE for the six-month period ended June 30, 2026 is 12.11%\ncompared to 13.74% for the prior year period. On a PTPPOI basis, ROE is\n15.44%, 16.49% and 17.52% for the three comparative quarters and 15.96% and\n17.51% for the two comparative six-month periods.\n\nAbout JD Bancshares, Inc.\n\nJD Bancshares, Inc. is the bank holding company of JD Bank, a state-chartered\nbank headquartered in Jennings, Louisiana. JD Bank has been serving the\ncitizens of south Louisiana since 1947 and offers a variety of personal and\ncommercial lending and deposit products through both physical and digital\ndelivery channels. The Bank also offers both trust and investment services. JD\nBank operates through 22 full-service branch offices and one Loan\nProduction/Deposit Production office located along the I-10 and I-12 corridors\nfrom Lake Charles to Mandeville, Louisiana. Additional information is\navailable on its website at jdbank.com (https://pr.report/o26o).\n\nJD Bancshares, Inc. (OTCQX: JDVB) trades on the OTCQX Best Market. Companies\nmeet high financial standards, follow best practice corporate governance,\ndemonstrate compliance with U.S. securities laws, and have a professional\nthird-party sponsor introduction. Investors can find current financial\ndisclosure and Real-Time Level 2 quotes for the Company on otcmarkets.com\n(https://pr.report/o26p).\n\nForward-Looking Statements\n\nStatements contained in this release, which are not historical facts, are\nforward-looking statements as defined in the Private Securities Litigation\nReform Act of 1995. Such forward-looking statements are subject to risks and\nuncertainties which could cause actual results to differ materially from those\ncurrently anticipated due to a number of factors which include the effects of\nfuture economic conditions, governmental fiscal and monetary policies,\nlegislative and regulatory changes, the risks of changes in interest rates,\nthe effects of competition, and including without limitation to other factors\nthat could cause actual results to differ materially as discussed in documents\nfiled by the Company with the Securities and Exchange Commission from time to\ntime.\n\n(OTCQX:JDVB)\n\nPaul Brummett (CEO) (337-246-5395)\nJared Doucet (CFO) (337-246-5409)\nwww.jdbank.com\n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nJENNINGS, LOUISIANA\nCONSOLIDATED BALANCE SHEETS\n(UNAUDITED)\n\n Actual Actual $ Variance % Variance \n Jun 2026 Dec 2025 \n Assets \n Cash and due from banks 24,510,337 24,531,382 (21,045 ) (0.1 ) \n Interest bearing deposits with banks 44,981,916 47,810,267 (2,828,351 ) (5.9 ) \n Investment Securities - Taxable 214,834,970 220,454,338 (5,619,368 ) (2.5 ) \n Investment Securities - Tax-exempt 121,735,867 122,277,394 (541,527 ) (0.4 ) \n Mortgage loans held for sale 138,802 633,782 (494,980 ) (78.1 ) \n Loans, net of unearned income 780,685,071 771,115,361 9,569,710 1.2 \n Less: Allowance for credit losses (8,880,334 ) (8,893,255 ) 12,921 0.1 \n Premises and equipment, net 29,826,978 29,150,334 676,644 2.3 \n Accrued interest receivable 5,172,890 5,123,565 49,325 1.0 \n Other real estate 2,508,073 2,950,546 (442,473 ) (15.0 ) \n Other assets 43,475,309 42,989,593 485,716 1.1 \n Total Assets 1,258,989,879 1,258,143,307 846,572 0.1 \n Liabilities \n Non-Interest Bearing Deposits 237,087,685 234,684,101 2,403,584 1.0 \n Interest bearing demand deposits 304,075,686 339,233,118 (35,157,432 ) (10.4 ) \n Savings and Money Market Deposits 334,262,042 324,205,335 10,056,707 3.1 \n Time Deposits - Retail 240,184,696 220,393,058 19,791,638 9.0 \n Total Deposits 1,115,610,109 1,118,515,612 (2,905,503 ) (0.3 ) \n Accrued expenses and other liabilities 5,898,326 6,634,247 (735,921 ) (11.1 ) \n Other Borrowings 29,944,318 29,873,430 70,888 0.2 \n Total Liabilities 1,151,452,753 1,155,023,289 (3,570,536 ) (0.3 ) \n Equity \n Common stock 21,424,512 21,412,156 12,356 0.1 \n Capital surplus 10,411,114 10,320,490 90,624 0.9 \n Retained earnings 101,296,886 97,093,150 4,203,736 4.3 \n Accumulated other comprehensive (loss) (24,826,081 ) (25,121,300 ) 295,219 1.2 \n Less: unearned stock awards (769,305 ) (584,478 ) (184,827 ) (31.6 ) \n Total Equity 107,537,126 103,120,018 4,417,108 4.3 \n Total Liabilities & Equity 1,258,989,879 1,258,143,307 846,572 0.1 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nJENNINGS, LOUISIANA\nCONSOLIDATED STATEMENTS OF OPERATIONS\n(UNAUDITED)\n\n QTD QTD $ Variance % Variance QTD $ Variance % Variance \n Actual Actual Actual \n Jun 2026 Mar 2026 Jun 2025 \n Interest Income \n Interest on Loans 13,127,292 12,876,989 250,303 1.9 12,549,314 577,978 4.6 \n Mortgage Loans Held For Sale 6,510 6,601 (91 ) (1.4 ) 4,783 1,727 36.1 \n Interest on deposits with banks 474,256 312,432 161,824 51.8 102,679 371,577 361.9 \n Investment Securities - Taxable 1,403,346 1,407,309 (3,963 ) (0.3 ) 1,556,410 (153,064 ) (9.8 ) \n Investment Securities - Tax-exempt 784,254 780,831 3,423 0.4 755,405 28,849 3.8 \n Total Interest Income 15,795,658 15,384,162 411,496 2.7 14,968,591 827,067 5.5 \n Interest Expense \n Interest bearing demand deposits 383,494 373,077 10,417 2.8 361,809 21,685 6.0 \n Savings and Money Market Deposits 940,075 880,224 59,851 6.8 777,549 162,526 20.9 \n Time Deposits - Retail 2,031,890 1,932,149 99,741 5.2 1,900,547 131,343 6.9 \n Total Interest Expense on Deposits 3,355,459 3,185,450 170,009 5.3 3,039,905 315,554 10.4 \n FHLB Advances - - - - 142,091 (142,091 ) (100.0 ) \n Interest on other borrowings 316,694 317,116 (422 ) (0.1 ) 327,175 (10,481 ) (3.2 ) \n Total Interest Expense 3,672,153 3,502,566 169,587 4.8 3,509,171 162,982 4.6 \n Net Interest Income 12,123,505 11,881,596 241,909 2.0 11,459,420 664,085 5.8 \n Provision for credit losses 16,947 326,127 (309,180 ) (94.8 ) 309,953 (293,006 ) (94.5 ) \n Net In. Inc. After Prov. for Credit Losses 12,106,558 11,555,469 551,089 4.8 11,149,467 957,091 8.6 \n Non Interest Income \n Service charges and fees 2,153,434 2,073,484 79,950 3.9 2,057,981 95,453 4.6 \n Mortgage loan and related fees 127,622 138,580 (10,958 ) (7.9 ) 87,755 39,867 45.4 \n Other noninterest income 592,499 648,294 (55,795 ) (8.6 ) 620,993 (28,494 ) (4.6 ) \n Total Non Interest Income 2,873,555 2,860,358 13,197 0.5 2,766,729 106,826 3.9 \n Non Interest Expense \n Salaries and employee benefits 6,105,775 5,952,555 153,220 2.6 5,865,545 240,230 4.1 \n Occupancy 1,566,464 1,466,477 99,987 6.8 1,351,946 214,518 15.9 \n Advertising and public relations 413,742 396,026 17,716 4.5 374,763 38,979 10.4 \n Data Processing 1,266,718 1,351,626 (84,908 ) (6.3 ) 1,139,931 126,787 11.1 \n Other noninterest expense 1,637,269 1,688,766 (51,497 ) (3.0 ) 1,698,819 (61,550 ) (3.6 ) \n Total Non Interest Expense 10,989,968 10,855,450 134,518 1.2 10,431,004 558,964 5.4 \n Income Before Taxes 3,990,145 3,560,377 429,768 12.1 3,485,192 504,953 14.5 \n Income taxes 660,420 593,440 66,980 11.3 558,610 101,810 18.2 \n Net Income 3,329,725 2,966,937 362,788 12.2 2,926,582 403,143 13.8 \n \n \n Earnings $ 0.97 $ 0.87 $ 0.85 \n Weighted average number of shares outstanding 3,433,831 3,426,601 3,432,629 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nJENNINGS, LOUISIANA\nCONSOLIDATED STATEMENTS OF OPERATIONS\n(UNAUDITED)\n\n YTD YTD $ Variance % Variance \n Actual Actual \n Jun 2026 Jun 2025 \n Interest Income \n Interest on Loans 26,004,282 24,289,107 1,715,175 7.1 \n Mortgage Loans Held For Sale 13,111 7,728 5,383 69.7 \n Interest on deposits with banks 786,688 390,127 396,561 101.6 \n Investment Securities - Taxable 2,810,655 3,077,550 (266,895 ) (8.7 ) \n Investment Securities - Tax-exempt 1,565,085 1,516,718 48,367 3.2 \n Total Interest Income 31,179,821 29,281,230 1,898,591 6.5 \n Interest Expense \n Interest bearing demand deposits 756,572 715,518 41,054 5.7 \n Savings and Money Market Deposits 1,820,299 1,534,397 285,902 18.6 \n Time Deposits - Retail 3,964,038 3,748,009 216,029 5.8 \n Total Interest Expense on Deposits 6,540,909 5,997,924 542,985 9.1 \n FHLB Advances - 367,650 (367,650 ) (100.0 ) \n Interest on other borrowings 633,810 651,102 (17,292 ) (2.7 ) \n Total Interest Expense 7,174,719 7,016,676 158,043 2.3 \n Net Interest Income 24,005,102 22,264,554 1,740,548 7.8 \n Provision for credit losses 343,073 345,130 (2,057 ) (0.6 ) \n Net In. Inc. After Prov. for Credit Losses 23,662,029 21,919,424 1,742,605 8.0 \n Non Interest Income \n Service charges and fees 4,226,919 4,074,272 152,647 3.7 \n Mortgage loan and related fees 266,202 173,450 92,752 53.5 \n Other noninterest income 1,240,793 1,146,714 94,079 8.2 \n Total Non Interest Income 5,733,914 5,394,436 339,478 6.3 \n Non Interest Expense \n Salaries and employee benefits 12,058,329 11,377,486 680,843 6.0 \n Occupancy 3,032,941 2,807,042 225,899 8.0 \n Advertising and public relations 809,768 738,948 70,820 9.6 \n Data Processing 2,618,345 2,261,675 356,670 15.8 \n Other noninterest expense 3,326,038 3,163,609 162,429 5.1 \n Total Non Interest Expense 21,845,421 20,348,760 1,496,661 7.4 \n Income Before Taxes 7,550,522 6,965,100 585,422 8.4 \n Income taxes 1,253,860 1,112,867 140,993 12.7 \n Net Income 6,296,662 5,852,233 444,429 7.6 \n \n \n Earnings $ 1.84 $ 1.71 \n Weighted average number of shares outstanding 3,430,236 3,427,596 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nMargin Analysis Compare\n\n Average Yield and Rate Average Funds Interest Income/Expense \n QTD QTD Change QTD QTD Change QTD QTD Change \n Actual Actual Actual Actual Actual Actual \n Jun 2026 Jun 2025 Jun 2026 Jun 2025 Jun 2026 Jun 2025 \n Earning Assets \n Loans 6.82 6.71 0.11 772,596,735 749,870,799 22,725,937 13,127,292 12,549,314 577,979 \n Loan fees - - - - - - - - - \n Loans with fees 6.82 6.71 0.11 772,596,735 749,870,799 22,725,937 13,127,292 12,549,314 577,979 \n Mortgage loans held for sale 6.47 6.41 0.06 402,525 298,627 103,897 6,510 4,783 1,727 \n Deposits with banks 3.75 4.59 (0.84 ) 50,735,265 8,969,656 41,765,609 474,256 102,679 371,577 \n Investment securities - taxable 2.26 2.35 (0.09 ) 247,950,715 265,039,655 (17,088,940 ) 1,403,346 1,556,410 (153,064 ) \n Investment securities - tax-exempt 3.26 3.15 0.11 121,874,631 121,577,056 297,574 784,254 755,405 28,849 \n Total Earning Assets 5.38 5.31 0.07 1,193,559,871 1,145,755,793 47,804,078 15,795,659 14,968,592 827,067 \n Interest bearing liabilities \n Interest bearing demand 0.50 0.50 - 304,750,825 293,168,951 11,581,874 383,494 361,809 21,685 \n Savings and Money Market 1.13 0.98 0.15 333,981,880 317,144,579 16,837,301 940,075 777,549 162,526 \n Time deposits - Retail 3.42 3.69 (0.27 ) 237,973,804 206,675,268 31,298,535 2,031,890 1,900,547 131,342 \n Total interest bearing deposits 1.54 1.49 0.05 876,706,508 816,988,798 59,717,710 3,355,459 3,039,906 315,553 \n Federal home Loan Bank advances - 4.43 (4.43 ) - 12,681,319 (12,681,319 ) - 142,091 (142,091 ) \n Other borrowings 4.19 4.22 (0.03 ) 29,908,874 30,713,413 (804,538 ) 316,694 327,175 (10,481 ) \n Total borrowed funds 4.19 4.28 (0.09 ) 29,908,874 43,394,731 (13,485,857 ) 316,694 469,266 (152,572 ) \n Total interest-bearing liabilities 1.62 1.63 (0.01 ) 906,615,383 860,383,530 46,231,853 3,672,153 3,509,172 162,981 \n Net interest rate spread 3.75 3.67 0.08 12,123,506 11,459,420 664,086 \n Effect of non-interest bearing deposits (0.33 ) (0.35 ) 0.02 237,065,081 238,174,542 (1,109,460 ) \n Cost of funds 1.29 1.28 0.01 \n Net interest margin 4.14 4.08 0.06 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nMargin Analysis Compare\n\n Average Yield and Rate Average Funds Interest Income/Expense \n YTD YTD Change YTD YTD Change YTD YTD Change \n Actual Actual Actual Actual Actual Actual \n Jun 2026 Jun 2025 Jun 2026 Jun 2025 Jun 2026 Jun 2025 \n Earning Assets \n Loans 6.79 6.64 0.15 772,436,606 737,704,807 34,731,800 26,004,282 24,289,107 1,715,175 \n Loan fees - - - - - - - - - \n Loans with fees 6.79 6.64 0.15 772,436,606 737,704,807 34,731,800 26,004,282 24,289,107 1,715,175 \n Mortgage loans held for sale 6.15 6.61 (0.46 ) 426,585 233,717 192,868 13,111 7,728 5,383 \n Deposits with banks 3.65 4.38 (0.73 ) 43,474,147 17,945,199 25,528,948 786,688 390,127 396,561 \n Investment securities - taxable 2.25 2.31 (0.06 ) 249,463,150 266,890,224 (17,427,074 ) 2,810,655 3,077,550 (266,894 ) \n Investment securities - tax-exempt 3.25 3.15 0.10 121,945,008 122,053,302 (108,294 ) 1,565,085 1,516,718 48,367 \n Total Earning Assets 5.36 5.22 0.14 1,187,745,496 1,144,827,248 42,918,248 31,179,821 29,281,230 1,898,591 \n Interest bearing liabilities \n Interest bearing demand 0.50 0.48 0.02 306,895,250 302,270,116 4,625,133 756,572 715,518 41,054 \n Savings and Money Market 1.11 0.99 0.12 330,022,975 314,055,629 15,967,346 1,820,299 1,534,397 285,902 \n Time deposits - Retail 3.43 3.75 (0.32 ) 232,748,796 201,685,786 31,063,010 3,964,038 3,748,009 216,029 \n Total interest bearing deposits 1.52 1.48 0.04 869,667,021 818,011,531 51,655,490 6,540,909 5,997,924 542,985 \n Federal home Loan Bank advances - 4.42 (4.42 ) - 16,541,436 (16,541,436 ) - 367,650 (367,650 ) \n Other borrowings 4.21 4.24 (0.03 ) 29,920,786 30,579,576 (658,791 ) 633,810 651,102 (17,292 ) \n Total borrowed funds 4.21 4.30 (0.09 ) 29,920,786 47,121,013 (17,200,227 ) 633,810 1,018,752 (384,942 ) \n Total interest-bearing liabilities 1.61 1.63 (0.03 ) 899,587,806 865,132,544 34,455,262 7,174,719 7,016,676 158,043 \n Net interest rate spread 3.75 3.59 0.16 24,005,102 22,264,555 1,740,547 \n Effect of non-interest bearing deposits (0.34 ) (0.34 ) 0.01 239,872,489 233,117,326 6,755,163 \n Cost of funds 1.27 1.29 (0.02 ) \n Net interest margin 4.14 3.99 0.15 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nSUPPLEMENTAL FINANCIAL INFORMATION\n\n Financial Ratios \n For the Six For the Six \n For the Qtr For the Qtr For the Qtr Months Months \n Ended Ended Ended Ended Ended \n June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025 \n Performance Ratios \n Return on Average Assets (ROA) 1.06 % 0.97 % 0.98 % 1.02 % 0.99 % \n ROA based on Pre-tax, pre-provision operating income 1.29 % 1.38 % 1.29 % 1.34 % 1.26 % \n Return on Average Equity (ROE) 12.70 % 11.52 % 13.34 % 12.11 % 13.74 % \n ROE based on Pre-tax, pre-provision operating income 15.44 % 16.49 % 17.52 % 15.96 % 17.51 % \n Earnings per Share $ 0.97 $ 0.87 $ 0.85 $ 1.84 $ 1.71 \n Net Interest Margin 4.14 % 4.14 % 4.08 % 4.14 % 3.99 % \n Efficiency Ratio ** 72.01 % 70.70 % 71.97 % 71.36 % 72.00 % \n Non-Interest Income as a % of Avg. Assets** 0.92 % 1.01 % 0.93 % 0.97 % 0.91 % \n Non-Interest Expense as a % of Avg. Assets** 3.50 % 3.50 % 3.49 % 3.50 % 3.42 % \n \n \n As of As of \n June 30, 2026 December 31, 2025 \n Bank Level Capital Ratios: \n Tier 1 Leverage Ratio 11.86% (Est.) 11.81 % \n Common Equity Tier 1 Ratio 17.00% (Est.) 16.46 % \n Tier 1 Risk-Based Capital Ratio 17.00% (Est.) 16.46 % \n Total Risk-Based Capital Ratio 18.03% (Est.) 17.48 % \n Company: \n Tangible Equity / Total Assets 8.21 % 7.86 % \n Tangible Book Value per Share $ 30.17 $ 28.86 \n \n Reconcilement of GAAP to Pre-tax, Pre-Provision Operating Income: \n \n For the Six For the Six \n For the Qtr For the Qtr For the Qtr Months Months \n Ended Ended Ended Ended Ended \n June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025 \n Net Income (GAAP) $ 3,329,725 $ 2,966,937 $ 2,926,582 $ 6,296,662 $ 5,852,233 \n \n Provision for Loan Losses 16,947 326,127 309,953 343,073 345,130 \n Net (Gain) Loss on OREO 40,531 108,248 47,907 148,780 145,263 \n Net (Gain) Loss on Securities - 251,095 - 251,095 - \n Non-recurring Expenses - - - - - \n Income Tax Expense 660,420 593,440 558,610 1,253,860 1,112,867 \n \n Pre-tax, Pre-Provision Operating Income $ 4,047,623 $ 4,245,847 $ 3,843,052 $ 8,293,470 $ 7,455,493 \n\n** Non-recurring items are eliminated for this ratio\n\nSOURCE: JD Bancshares, Inc.\nView the original press release\n(https://www.accessnewswire.com/newsroom/en/banking-and-financial-services/jd-bancshares-inc.-announces-q2-2026-financial-results-1195317)\non ACCESS Newswire\n\n\nCopyright 2026 ACCESS Newswire. All Rights Reserved.","article_body_html":"","raw_payload":{"data":{"id":"nACSYTF5ka","title":"JD Bancshares, Inc. Announces Q2 2026 Financial Results ","author":"ACCESSWIRE","ticker":"JDVB","created":"2026-07-23T20:15:02.865Z","tickers":["JDVB"],"exchange":"OTC","article_body":"JENNINGS, LA / ACCESS Newswire (https://www.accessnewswire.com/) / July 23,\n2026 / JD Bancshares, Inc. (the \"Company\") (OTCQX:JDVB), the parent holding\ncompany of JD Bank (the \"Bank\"), reports its unaudited financial results for\nthe three- and six- month periods ended June 30, 2026.\n\nNet income for the three-month period ended June 30, 2026 is $3,329,725 or\n$0.97 per common share compared to $2,966,937 or $0.87 per common share for\nthe linked quarter ended March 31, 2026, and $2,926,582 or $0.85 per share for\nthe prior year quarter ended June 30, 2025. Pre-tax, pre-provision operating\nincome (PTPPOI) for the quarter ended June 30, 2026 is $4,047,623 compared to\n$4,245,847 for the linked quarter and $3,843,052 for the prior year quarter.\nPTPPOI excludes taxes, provision for credit losses, net losses on the sale of\nother real estate owned (OREO), net losses on the sale of investment\nsecurities and other non-recurring expense items. The $198,000 decrease in the\ncurrent quarter PTPPOI compared to the linked quarter is due to a $242,000\nincrease in net interest income which is offset by a $238,000 decrease in\nrecurring non-interest income and a $202,000 increase in recurring\nnon-interest expense. The $205,000 increase between current and prior year\nPTPPOI is due to a $664,000 increase in net interest income and a $111,000\nincrease in recurring non-interest income, partially offset by an increase in\nrecurring non-interest expenses of $571,000.\n\nFor the six-month period ended June 30, 2026, net income is $6,296,662 or\n$1.84 per share compared to $5,852,233 or $1.71 per share for the prior year\ncomparative period. PTPPOI for the current six-month period is $8,293,470\ncompared to $7,455,493 for the prior year period. The $838,000 increase is\nprimarily due to a $1.7 million increase in net interest income and a $595,000\nincrease in recurring non-interest income, partially offset by a $1.5 million\nincrease in recurring non-interest expenses.\n\nPaul E. Brummett, II CEO, commented, \"I am pleased to share that our quarterly\nfinancial results reflect the strength of our team, the loyalty of our\ncustomers, and the confidence of our shareholders. This quarter's performance\ndemonstrates our disciplined approach to growth, sound risk management, and\ncommitment to delivering long-term value. I want to thank our entire team for\ntheir hard work and focus on providing exceptional service while maintaining\nthe highest standards of safety and soundness. Asset quality is very solid as\npast dues continued to decline for the current period. As we look forward, we\nremain optimistic about the opportunities before us. We will continue to\ninvest in our team, technology, and the communities we serve while staying\ntrue to our vision \"To Be The Best Community Bank in Louisiana\".\"\n\nAsset Quality\n\nLoans past due 30 to 89 days are $826,000 representing 0.11% of the total loan\nportfolio at June 30, 2026 compared to $1.8 million or 0.23% at December 31,\n2025. Total nonperforming assets, including loans on non-accrual status, OREO\nand repossessed assets were $5.8 million at June 30, 2026, a decrease of $1.0\nmillion from $6.8 million at December 31, 2025. Loans currently in non-accrual\nstatus decreased to $3.2 million from $3.9 million at year-end 2025 and OREO\nis currently $2.5 million compared to $3.0 million for the same period.\nRepossessed assets were $95,000 at June 30, 2026, compared to $39,000 at\nDecember 31, 2025. Management performs a quarterly evaluation of OREO\nproperties and believes their adjusted carrying values are representative of\ntheir fair market values, although there is no assurance that the ultimate\nsales will be equal or greater than the carrying values.\n\nProvision for credit losses is $17,000 for the current quarter compared to\n$326,000 for the linked quarter and $310,000 for the prior year quarter. The\nAllowance for Credit Losses (ACL) is $8.9 million at June 30, 2026, or 1.14%\nof total loans compared to $8.9 million at December 31, 2025, or 1.15% of\ntotal loans. The Bank recognized net charge-offs in the current quarter of\n$276,000 compared to net charge-offs of $5,000 for the linked quarter and net\nrecoveries of $31,000 for the prior year quarter. There are net charge-offs of\n$281,000 for the six-month period ended June 30, 2026, and net recoveries of\n$4,000 for the prior year six-month period. Management believes the current\nlevel of ACL is adequate; however, there is no assurance that regulators,\nincreased risks in the loan portfolio or changes in economic conditions will\nnot require future adjustments to the ACL.\n\nNet Interest Income\n\nFor the quarter ended June 30, 2026, net interest income is $12.1 million,\nreflecting a $242,000 increase over the $11.9 million for the linked quarter\nand a $664,000 increase compared to the $11.5 million reported for the prior\nyear quarter. When comparing the current quarter's net interest income to the\nlinked quarter and the prior year quarter, the favorable impact on interest\nincome was due to higher volume and higher yields on average earning assets\nwhich outpaced the increase in volume of total interest-bearing liabilities.\n\nTotal interest income for the current quarter is $15.8 million compared to\n$15.4 million for the linked quarter and $15.0 million for the prior year\nquarter. Interest income on loans for the current quarter is $13.1 million,\nreflecting a $250,000 increase compared to the linked quarter and a $578,000\nincrease over the prior year quarter. Average loans outstanding are $772.6\nmillion, $772.3 million and $749.9 million for the current, linked, and prior\nyear quarters, respectively. The average yield on the loan portfolio for the\nthree comparative quarters is 6.82%, 6.76% and 6.71%, respectively. Interest\nincome from other earning assets is $2.7 million for Q2 2026, reflecting\nincreases from the $2.5 million recorded in Q1 2026 and the $2.4 million in Q2\n2025. The increase in interest income from other earning assets was due\nprimarily to increases in the volume of earning assets. The overall yield on\nearning assets is 5.38%, 5.34% and 5.31% for the three comparative quarters,\nrespectively.\n\nTotal interest expense is $3.7 million for the current quarter and $3.5\nmillion for the linked and prior year quarters. The increase in interest\nexpense between the current, linked and prior year quarter is attributed to an\nincrease in the average interest-bearing liabilities outstanding. The cost of\ninterest-bearing liabilities is 1.62% for the current quarter, 1.59% for the\nlinked quarter, and 1.63% for the prior year quarter. When taking into account\nthe effect of noninterest-bearing deposits, the cost of total funds is 1.29%\nfor the current quarter, 1.25% for the linked quarter and 1.28% for the prior\nyear quarter.\n\nThe net interest margin is 4.14% in the current and linked quarters compared\nto 4.08% for the prior year quarter. The increase in the yield on earning\nassets was offset by a corresponding increase in cost of funds between the\nfirst and second quarters of 2026, while the increase in the yield on earning\nassets outpaced the increase in cost of funds between the current and prior\nyear quarters.\n\nNet interest income is $24.0 million for the six-month period ended June 30,\n2026, compared to $22.3 million for the prior year period ended June 30, 2025.\nNet interest margin for the current six-month period is 4.14% compared to\n3.99% for the comparative 2025 period. The total yield on earning assets\nincreased to 5.36% from 5.22% due to increases in both yield and volume of\ntotal earning assets. The cost of interest-bearing liabilities decreased to\n1.61% from 1.63% and the overall cost of funds decreased to 1.27% from 1.29%.\n\nNoninterest Income\n\nTotal noninterest income is $2.9 million for the current and linked quarters,\nup $107,000 from $2.8 million for the prior year quarter. Service charges and\nfees associated with deposits accounted for the largest category of\nnoninterest income and are $2.2 million in the current quarter, $2.1 million\nin the linked and prior year quarters. Interchange revenue from debit card\nusage remains relatively stable at $1.2 million across the comparative\nquarters. NSF fees totaled $688,000 for the quarter ended June 30, 2026,\ncompared to $666,000 for the linked quarter and $638,000 for the prior year\nquarter. Service charges on deposit accounts remain relatively constant at\n$186,000, $191,000 and $190,000 for the three comparative periods,\nrespectively.\n\nRevenue from the sale of mortgage loans is $128,000 for the current quarter\ncompared to $139,000 for the linked quarter and $88,000 for the prior year\nquarter.\n\nOther noninterest income is $592,000 for the current quarter, $648,000 for the\nlinked quarter and $621,000 for the prior year quarter. The largest components\nof other noninterest income are revenues from trust services and wealth\nmanagement. The total of these two revenue streams is $312,000, $423,000 and\n$365,000 for the three comparative periods, respectively.\n\nNoninterest income for the six-month period ended June 30, 2026 is $5.7\nmillion reflecting an increase of $339,000 from the $5.4 million for the prior\nyear six-month period. Compared to the prior year, service charges and fees on\ndeposit accounts are $4.2 million, reflecting a $153,000 increase, gains on\nthe sale of mortgage loans are $266,000, reflecting a $93,000 increase and\nother non-interest income is $1.2 million, reflecting a $94,000 increase.\n\nNoninterest Expense\n\nTotal noninterest expense is $11.0 million for the quarter ended June 30,\n2026, compared to $10.9 million for the linked quarter and $10.4 million for\nthe prior year quarter. Salary and employee benefit expenses for the current\nquarter are $6.1 million, $6.0 million for the linked quarter and $5.9 million\nfor the prior year quarter. The $153,000 or 2.6% increase between the current\nand linked quarter is associated with annual merit increases which are\neffective April 1 of each year. The $240,000 or 4.1% increase between the\ncurrent and prior year is attributed to annual merit increases and increases\nassociated with grant awards.\n\nOccupancy expenses are $1.6 million for the current quarter, $1.5 million for\nthe linked quarter, and $1.4 million for the prior year quarter. Advertising\nand public relations expenses are $414,000, $396,000 and $375,000 for the\nthree comparative quarters, respectively. Data processing expenses are $1.3\nmillion in the current quarter, $1.4 million in the linked quarter, and $1.1\nmillion in the prior year quarter.\n\nOther noninterest expenses are $1.6 million for Q2 2026 and $1.7 million for\nQ1 2026 and Q2 2025. The largest components of noninterest expenses are\ncomprised of professional fees, accruals for ad valorem taxes, fraud and other\nlosses, FDIC insurance assessments and telecommunication expenses. The\ndecrease between the current and comparative quarters is primarily due to a\ndecrease in board related expenses and fraud and other losses. Non-recurring\nexpenses associated with OREO losses amounted to $41,000 in the current\nquarter, $108,000 in the linked quarter and $52,000 in the prior year quarter.\n\nTotal noninterest expenses for the six-month period ended June 30, 2026 are\n$21.8 million, up $1.5 million or 7.4% from $20.3 million for the prior year\nperiod. Increases include salaries and employee benefits of $681,000,\noccupancy expenses of $226,000, advertising and public relations expenses of\n$71,000, data processing of $357,000 and other non-interest expenses of\n$162,000. Non-recurring expenses for the two six-month periods include losses\non OREO of $149,000 and $150,000 for the current and prior year periods,\nrespectively.\n\nIncome tax expense is $660,000 for the current quarter compared to $593,000\nfor the linked quarter and $559,000 for the June 2025 quarter. The effective\ntax rate remains relatively constant over the three comparative periods at\n16.6% in the current quarter, 16.7% for the linked quarter and 16.0% in the\nprior year quarter. Year-to-date, income tax expense is $1.3 million with an\neffective tax rate of 16.6% compared to $1.1 million with an effective tax\nrate of 16.0% for the prior year six-month period.\n\nBalance Sheet\n\nTotal assets at both June 30, 2026 and December 31, 2025 are $1.3 billion.\nGross loans, net of unearned income, represent the largest asset category at\n$780.7 million which is an increase of $9.6 million or 1.2% from $771.1\nmillion reported at the prior year-end. The six-month period increase in loans\noccurred from March 31, 2026 to June 30, 2026. Total cash has declined by $2.8\nmillion from $72.3 million at December 31, 2025 to $69.5 million at June 30,\n2026. Cash is used to fund loans and growth in other asset categories, as well\nas to satisfy deposit fluctuations. Investment securities declined by $6.2\nmillion to $336.6 million from $342.7 million and is the result of principal\npaydowns of $6.6 million and an increase in fair market value of the portfolio\nof $374,000.\n\nOver the six months ended June 30, 2026, total deposits decreased by $2.9\nmillion or 0.3% and are $1.1 billion at both June 30, 2026 and December 31,\n2025. Non-interest bearing demand deposits are up by $2.4 million, savings and\nmoney market deposit are up by $10.1 million, and time deposits are up by\n$19.8 million. More than offsetting these increases is a decline of $35.2\nmillion in interest-bearing demand deposits. The Company has deposit\nrelationships with several municipalities and other public unit entities whose\ndeposit balances tend to be very large at year-end and then run-off throughout\nthe year. Deposit balances categorized as public unit deposits have decreased\nby $25.6 million over the current six-month period. The overall six-month\ndecrease in deposits is comprised of a $100,000 decrease between December 31,\n2025 and March 31, 2026, and a $2.8 million decrease between March 31, 2026\nand June 30, 2026.\n\nThe total of all other liabilities decreased by $665,000 to $35.8 million from\n$36.5 million at December 31, 2025. The decrease is attributable to a decrease\nin accrued liabilities partially offset by an increase in other borrowings.\n\nStockholders' equity increased $4.4 million to $107.5 million at June 30, 2026\nfrom $103.1 million at December 31, 2025. The increase is attributed to $6.3\nmillion in net income and a $300,000 decrease in the accumulated other\ncomprehensive loss (AOCL), partially offset by $2.1 million in dividends paid\nto shareholders. Total shares outstanding at June 30, 2026 are 3,427,922\ncompared to 3,425,945 at December 31, 2025. Tangible book value per share is\ncurrently $30.17 compared to $28.86 at December 31, 2025.\n\nKey Performance Ratios\n\nReturn on average assets (ROA) under Generally Accepted Accounting Principles\n(GAAP) is 1.06% for the current quarter compared to 0.97% for the linked\nquarter and 0.98% for the prior year quarter. GAAP ROA for the six-month\nperiod ended June 30, 2026 is 1.02% compared to 0.99% for the prior year\nperiod. On a PTPPOI basis, ROA is 1.29%, 1.38% and 1.29% for the three\ncomparative quarters respectively, and 1.34% and 1.26% for the comparative\nsix-month periods. GAAP return on average equity (ROE) is 12.70% for the\ncurrent three-month period, 11.52% for the linked period and 13.34% for the\nprior year period. ROE for the six-month period ended June 30, 2026 is 12.11%\ncompared to 13.74% for the prior year period. On a PTPPOI basis, ROE is\n15.44%, 16.49% and 17.52% for the three comparative quarters and 15.96% and\n17.51% for the two comparative six-month periods.\n\nAbout JD Bancshares, Inc.\n\nJD Bancshares, Inc. is the bank holding company of JD Bank, a state-chartered\nbank headquartered in Jennings, Louisiana. JD Bank has been serving the\ncitizens of south Louisiana since 1947 and offers a variety of personal and\ncommercial lending and deposit products through both physical and digital\ndelivery channels. The Bank also offers both trust and investment services. JD\nBank operates through 22 full-service branch offices and one Loan\nProduction/Deposit Production office located along the I-10 and I-12 corridors\nfrom Lake Charles to Mandeville, Louisiana. Additional information is\navailable on its website at jdbank.com (https://pr.report/o26o).\n\nJD Bancshares, Inc. (OTCQX: JDVB) trades on the OTCQX Best Market. Companies\nmeet high financial standards, follow best practice corporate governance,\ndemonstrate compliance with U.S. securities laws, and have a professional\nthird-party sponsor introduction. Investors can find current financial\ndisclosure and Real-Time Level 2 quotes for the Company on otcmarkets.com\n(https://pr.report/o26p).\n\nForward-Looking Statements\n\nStatements contained in this release, which are not historical facts, are\nforward-looking statements as defined in the Private Securities Litigation\nReform Act of 1995. Such forward-looking statements are subject to risks and\nuncertainties which could cause actual results to differ materially from those\ncurrently anticipated due to a number of factors which include the effects of\nfuture economic conditions, governmental fiscal and monetary policies,\nlegislative and regulatory changes, the risks of changes in interest rates,\nthe effects of competition, and including without limitation to other factors\nthat could cause actual results to differ materially as discussed in documents\nfiled by the Company with the Securities and Exchange Commission from time to\ntime.\n\n(OTCQX:JDVB)\n\nPaul Brummett (CEO) (337-246-5395)\nJared Doucet (CFO) (337-246-5409)\nwww.jdbank.com\n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nJENNINGS, LOUISIANA\nCONSOLIDATED BALANCE SHEETS\n(UNAUDITED)\n\n Actual Actual $ Variance % Variance \n Jun 2026 Dec 2025 \n Assets \n Cash and due from banks 24,510,337 24,531,382 (21,045 ) (0.1 ) \n Interest bearing deposits with banks 44,981,916 47,810,267 (2,828,351 ) (5.9 ) \n Investment Securities - Taxable 214,834,970 220,454,338 (5,619,368 ) (2.5 ) \n Investment Securities - Tax-exempt 121,735,867 122,277,394 (541,527 ) (0.4 ) \n Mortgage loans held for sale 138,802 633,782 (494,980 ) (78.1 ) \n Loans, net of unearned income 780,685,071 771,115,361 9,569,710 1.2 \n Less: Allowance for credit losses (8,880,334 ) (8,893,255 ) 12,921 0.1 \n Premises and equipment, net 29,826,978 29,150,334 676,644 2.3 \n Accrued interest receivable 5,172,890 5,123,565 49,325 1.0 \n Other real estate 2,508,073 2,950,546 (442,473 ) (15.0 ) \n Other assets 43,475,309 42,989,593 485,716 1.1 \n Total Assets 1,258,989,879 1,258,143,307 846,572 0.1 \n Liabilities \n Non-Interest Bearing Deposits 237,087,685 234,684,101 2,403,584 1.0 \n Interest bearing demand deposits 304,075,686 339,233,118 (35,157,432 ) (10.4 ) \n Savings and Money Market Deposits 334,262,042 324,205,335 10,056,707 3.1 \n Time Deposits - Retail 240,184,696 220,393,058 19,791,638 9.0 \n Total Deposits 1,115,610,109 1,118,515,612 (2,905,503 ) (0.3 ) \n Accrued expenses and other liabilities 5,898,326 6,634,247 (735,921 ) (11.1 ) \n Other Borrowings 29,944,318 29,873,430 70,888 0.2 \n Total Liabilities 1,151,452,753 1,155,023,289 (3,570,536 ) (0.3 ) \n Equity \n Common stock 21,424,512 21,412,156 12,356 0.1 \n Capital surplus 10,411,114 10,320,490 90,624 0.9 \n Retained earnings 101,296,886 97,093,150 4,203,736 4.3 \n Accumulated other comprehensive (loss) (24,826,081 ) (25,121,300 ) 295,219 1.2 \n Less: unearned stock awards (769,305 ) (584,478 ) (184,827 ) (31.6 ) \n Total Equity 107,537,126 103,120,018 4,417,108 4.3 \n Total Liabilities & Equity 1,258,989,879 1,258,143,307 846,572 0.1 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nJENNINGS, LOUISIANA\nCONSOLIDATED STATEMENTS OF OPERATIONS\n(UNAUDITED)\n\n QTD QTD $ Variance % Variance QTD $ Variance % Variance \n Actual Actual Actual \n Jun 2026 Mar 2026 Jun 2025 \n Interest Income \n Interest on Loans 13,127,292 12,876,989 250,303 1.9 12,549,314 577,978 4.6 \n Mortgage Loans Held For Sale 6,510 6,601 (91 ) (1.4 ) 4,783 1,727 36.1 \n Interest on deposits with banks 474,256 312,432 161,824 51.8 102,679 371,577 361.9 \n Investment Securities - Taxable 1,403,346 1,407,309 (3,963 ) (0.3 ) 1,556,410 (153,064 ) (9.8 ) \n Investment Securities - Tax-exempt 784,254 780,831 3,423 0.4 755,405 28,849 3.8 \n Total Interest Income 15,795,658 15,384,162 411,496 2.7 14,968,591 827,067 5.5 \n Interest Expense \n Interest bearing demand deposits 383,494 373,077 10,417 2.8 361,809 21,685 6.0 \n Savings and Money Market Deposits 940,075 880,224 59,851 6.8 777,549 162,526 20.9 \n Time Deposits - Retail 2,031,890 1,932,149 99,741 5.2 1,900,547 131,343 6.9 \n Total Interest Expense on Deposits 3,355,459 3,185,450 170,009 5.3 3,039,905 315,554 10.4 \n FHLB Advances - - - - 142,091 (142,091 ) (100.0 ) \n Interest on other borrowings 316,694 317,116 (422 ) (0.1 ) 327,175 (10,481 ) (3.2 ) \n Total Interest Expense 3,672,153 3,502,566 169,587 4.8 3,509,171 162,982 4.6 \n Net Interest Income 12,123,505 11,881,596 241,909 2.0 11,459,420 664,085 5.8 \n Provision for credit losses 16,947 326,127 (309,180 ) (94.8 ) 309,953 (293,006 ) (94.5 ) \n Net In. Inc. After Prov. for Credit Losses 12,106,558 11,555,469 551,089 4.8 11,149,467 957,091 8.6 \n Non Interest Income \n Service charges and fees 2,153,434 2,073,484 79,950 3.9 2,057,981 95,453 4.6 \n Mortgage loan and related fees 127,622 138,580 (10,958 ) (7.9 ) 87,755 39,867 45.4 \n Other noninterest income 592,499 648,294 (55,795 ) (8.6 ) 620,993 (28,494 ) (4.6 ) \n Total Non Interest Income 2,873,555 2,860,358 13,197 0.5 2,766,729 106,826 3.9 \n Non Interest Expense \n Salaries and employee benefits 6,105,775 5,952,555 153,220 2.6 5,865,545 240,230 4.1 \n Occupancy 1,566,464 1,466,477 99,987 6.8 1,351,946 214,518 15.9 \n Advertising and public relations 413,742 396,026 17,716 4.5 374,763 38,979 10.4 \n Data Processing 1,266,718 1,351,626 (84,908 ) (6.3 ) 1,139,931 126,787 11.1 \n Other noninterest expense 1,637,269 1,688,766 (51,497 ) (3.0 ) 1,698,819 (61,550 ) (3.6 ) \n Total Non Interest Expense 10,989,968 10,855,450 134,518 1.2 10,431,004 558,964 5.4 \n Income Before Taxes 3,990,145 3,560,377 429,768 12.1 3,485,192 504,953 14.5 \n Income taxes 660,420 593,440 66,980 11.3 558,610 101,810 18.2 \n Net Income 3,329,725 2,966,937 362,788 12.2 2,926,582 403,143 13.8 \n \n \n Earnings $ 0.97 $ 0.87 $ 0.85 \n Weighted average number of shares outstanding 3,433,831 3,426,601 3,432,629 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nJENNINGS, LOUISIANA\nCONSOLIDATED STATEMENTS OF OPERATIONS\n(UNAUDITED)\n\n YTD YTD $ Variance % Variance \n Actual Actual \n Jun 2026 Jun 2025 \n Interest Income \n Interest on Loans 26,004,282 24,289,107 1,715,175 7.1 \n Mortgage Loans Held For Sale 13,111 7,728 5,383 69.7 \n Interest on deposits with banks 786,688 390,127 396,561 101.6 \n Investment Securities - Taxable 2,810,655 3,077,550 (266,895 ) (8.7 ) \n Investment Securities - Tax-exempt 1,565,085 1,516,718 48,367 3.2 \n Total Interest Income 31,179,821 29,281,230 1,898,591 6.5 \n Interest Expense \n Interest bearing demand deposits 756,572 715,518 41,054 5.7 \n Savings and Money Market Deposits 1,820,299 1,534,397 285,902 18.6 \n Time Deposits - Retail 3,964,038 3,748,009 216,029 5.8 \n Total Interest Expense on Deposits 6,540,909 5,997,924 542,985 9.1 \n FHLB Advances - 367,650 (367,650 ) (100.0 ) \n Interest on other borrowings 633,810 651,102 (17,292 ) (2.7 ) \n Total Interest Expense 7,174,719 7,016,676 158,043 2.3 \n Net Interest Income 24,005,102 22,264,554 1,740,548 7.8 \n Provision for credit losses 343,073 345,130 (2,057 ) (0.6 ) \n Net In. Inc. After Prov. for Credit Losses 23,662,029 21,919,424 1,742,605 8.0 \n Non Interest Income \n Service charges and fees 4,226,919 4,074,272 152,647 3.7 \n Mortgage loan and related fees 266,202 173,450 92,752 53.5 \n Other noninterest income 1,240,793 1,146,714 94,079 8.2 \n Total Non Interest Income 5,733,914 5,394,436 339,478 6.3 \n Non Interest Expense \n Salaries and employee benefits 12,058,329 11,377,486 680,843 6.0 \n Occupancy 3,032,941 2,807,042 225,899 8.0 \n Advertising and public relations 809,768 738,948 70,820 9.6 \n Data Processing 2,618,345 2,261,675 356,670 15.8 \n Other noninterest expense 3,326,038 3,163,609 162,429 5.1 \n Total Non Interest Expense 21,845,421 20,348,760 1,496,661 7.4 \n Income Before Taxes 7,550,522 6,965,100 585,422 8.4 \n Income taxes 1,253,860 1,112,867 140,993 12.7 \n Net Income 6,296,662 5,852,233 444,429 7.6 \n \n \n Earnings $ 1.84 $ 1.71 \n Weighted average number of shares outstanding 3,430,236 3,427,596 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nMargin Analysis Compare\n\n Average Yield and Rate Average Funds Interest Income/Expense \n QTD QTD Change QTD QTD Change QTD QTD Change \n Actual Actual Actual Actual Actual Actual \n Jun 2026 Jun 2025 Jun 2026 Jun 2025 Jun 2026 Jun 2025 \n Earning Assets \n Loans 6.82 6.71 0.11 772,596,735 749,870,799 22,725,937 13,127,292 12,549,314 577,979 \n Loan fees - - - - - - - - - \n Loans with fees 6.82 6.71 0.11 772,596,735 749,870,799 22,725,937 13,127,292 12,549,314 577,979 \n Mortgage loans held for sale 6.47 6.41 0.06 402,525 298,627 103,897 6,510 4,783 1,727 \n Deposits with banks 3.75 4.59 (0.84 ) 50,735,265 8,969,656 41,765,609 474,256 102,679 371,577 \n Investment securities - taxable 2.26 2.35 (0.09 ) 247,950,715 265,039,655 (17,088,940 ) 1,403,346 1,556,410 (153,064 ) \n Investment securities - tax-exempt 3.26 3.15 0.11 121,874,631 121,577,056 297,574 784,254 755,405 28,849 \n Total Earning Assets 5.38 5.31 0.07 1,193,559,871 1,145,755,793 47,804,078 15,795,659 14,968,592 827,067 \n Interest bearing liabilities \n Interest bearing demand 0.50 0.50 - 304,750,825 293,168,951 11,581,874 383,494 361,809 21,685 \n Savings and Money Market 1.13 0.98 0.15 333,981,880 317,144,579 16,837,301 940,075 777,549 162,526 \n Time deposits - Retail 3.42 3.69 (0.27 ) 237,973,804 206,675,268 31,298,535 2,031,890 1,900,547 131,342 \n Total interest bearing deposits 1.54 1.49 0.05 876,706,508 816,988,798 59,717,710 3,355,459 3,039,906 315,553 \n Federal home Loan Bank advances - 4.43 (4.43 ) - 12,681,319 (12,681,319 ) - 142,091 (142,091 ) \n Other borrowings 4.19 4.22 (0.03 ) 29,908,874 30,713,413 (804,538 ) 316,694 327,175 (10,481 ) \n Total borrowed funds 4.19 4.28 (0.09 ) 29,908,874 43,394,731 (13,485,857 ) 316,694 469,266 (152,572 ) \n Total interest-bearing liabilities 1.62 1.63 (0.01 ) 906,615,383 860,383,530 46,231,853 3,672,153 3,509,172 162,981 \n Net interest rate spread 3.75 3.67 0.08 12,123,506 11,459,420 664,086 \n Effect of non-interest bearing deposits (0.33 ) (0.35 ) 0.02 237,065,081 238,174,542 (1,109,460 ) \n Cost of funds 1.29 1.28 0.01 \n Net interest margin 4.14 4.08 0.06 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nMargin Analysis Compare\n\n Average Yield and Rate Average Funds Interest Income/Expense \n YTD YTD Change YTD YTD Change YTD YTD Change \n Actual Actual Actual Actual Actual Actual \n Jun 2026 Jun 2025 Jun 2026 Jun 2025 Jun 2026 Jun 2025 \n Earning Assets \n Loans 6.79 6.64 0.15 772,436,606 737,704,807 34,731,800 26,004,282 24,289,107 1,715,175 \n Loan fees - - - - - - - - - \n Loans with fees 6.79 6.64 0.15 772,436,606 737,704,807 34,731,800 26,004,282 24,289,107 1,715,175 \n Mortgage loans held for sale 6.15 6.61 (0.46 ) 426,585 233,717 192,868 13,111 7,728 5,383 \n Deposits with banks 3.65 4.38 (0.73 ) 43,474,147 17,945,199 25,528,948 786,688 390,127 396,561 \n Investment securities - taxable 2.25 2.31 (0.06 ) 249,463,150 266,890,224 (17,427,074 ) 2,810,655 3,077,550 (266,894 ) \n Investment securities - tax-exempt 3.25 3.15 0.10 121,945,008 122,053,302 (108,294 ) 1,565,085 1,516,718 48,367 \n Total Earning Assets 5.36 5.22 0.14 1,187,745,496 1,144,827,248 42,918,248 31,179,821 29,281,230 1,898,591 \n Interest bearing liabilities \n Interest bearing demand 0.50 0.48 0.02 306,895,250 302,270,116 4,625,133 756,572 715,518 41,054 \n Savings and Money Market 1.11 0.99 0.12 330,022,975 314,055,629 15,967,346 1,820,299 1,534,397 285,902 \n Time deposits - Retail 3.43 3.75 (0.32 ) 232,748,796 201,685,786 31,063,010 3,964,038 3,748,009 216,029 \n Total interest bearing deposits 1.52 1.48 0.04 869,667,021 818,011,531 51,655,490 6,540,909 5,997,924 542,985 \n Federal home Loan Bank advances - 4.42 (4.42 ) - 16,541,436 (16,541,436 ) - 367,650 (367,650 ) \n Other borrowings 4.21 4.24 (0.03 ) 29,920,786 30,579,576 (658,791 ) 633,810 651,102 (17,292 ) \n Total borrowed funds 4.21 4.30 (0.09 ) 29,920,786 47,121,013 (17,200,227 ) 633,810 1,018,752 (384,942 ) \n Total interest-bearing liabilities 1.61 1.63 (0.03 ) 899,587,806 865,132,544 34,455,262 7,174,719 7,016,676 158,043 \n Net interest rate spread 3.75 3.59 0.16 24,005,102 22,264,555 1,740,547 \n Effect of non-interest bearing deposits (0.34 ) (0.34 ) 0.01 239,872,489 233,117,326 6,755,163 \n Cost of funds 1.27 1.29 (0.02 ) \n Net interest margin 4.14 3.99 0.15 \n\nJD BANCSHARES, INC. AND SUBSIDIARIES\nSUPPLEMENTAL FINANCIAL INFORMATION\n\n Financial Ratios \n For the Six For the Six \n For the Qtr For the Qtr For the Qtr Months Months \n Ended Ended Ended Ended Ended \n June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025 \n Performance Ratios \n Return on Average Assets (ROA) 1.06 % 0.97 % 0.98 % 1.02 % 0.99 % \n ROA based on Pre-tax, pre-provision operating income 1.29 % 1.38 % 1.29 % 1.34 % 1.26 % \n Return on Average Equity (ROE) 12.70 % 11.52 % 13.34 % 12.11 % 13.74 % \n ROE based on Pre-tax, pre-provision operating income 15.44 % 16.49 % 17.52 % 15.96 % 17.51 % \n Earnings per Share $ 0.97 $ 0.87 $ 0.85 $ 1.84 $ 1.71 \n Net Interest Margin 4.14 % 4.14 % 4.08 % 4.14 % 3.99 % \n Efficiency Ratio ** 72.01 % 70.70 % 71.97 % 71.36 % 72.00 % \n Non-Interest Income as a % of Avg. Assets** 0.92 % 1.01 % 0.93 % 0.97 % 0.91 % \n Non-Interest Expense as a % of Avg. Assets** 3.50 % 3.50 % 3.49 % 3.50 % 3.42 % \n \n \n As of As of \n June 30, 2026 December 31, 2025 \n Bank Level Capital Ratios: \n Tier 1 Leverage Ratio 11.86% (Est.) 11.81 % \n Common Equity Tier 1 Ratio 17.00% (Est.) 16.46 % \n Tier 1 Risk-Based Capital Ratio 17.00% (Est.) 16.46 % \n Total Risk-Based Capital Ratio 18.03% (Est.) 17.48 % \n Company: \n Tangible Equity / Total Assets 8.21 % 7.86 % \n Tangible Book Value per Share $ 30.17 $ 28.86 \n \n Reconcilement of GAAP to Pre-tax, Pre-Provision Operating Income: \n \n For the Six For the Six \n For the Qtr For the Qtr For the Qtr Months Months \n Ended Ended Ended Ended Ended \n June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025 \n Net Income (GAAP) $ 3,329,725 $ 2,966,937 $ 2,926,582 $ 6,296,662 $ 5,852,233 \n \n Provision for Loan Losses 16,947 326,127 309,953 343,073 345,130 \n Net (Gain) Loss on OREO 40,531 108,248 47,907 148,780 145,263 \n Net (Gain) Loss on Securities - 251,095 - 251,095 - \n Non-recurring Expenses - - - - - \n Income Tax Expense 660,420 593,440 558,610 1,253,860 1,112,867 \n \n Pre-tax, Pre-Provision Operating Income $ 4,047,623 $ 4,245,847 $ 3,843,052 $ 8,293,470 $ 7,455,493 \n\n** Non-recurring items are eliminated for this ratio\n\nSOURCE: JD Bancshares, Inc.\nView the original press release\n(https://www.accessnewswire.com/newsroom/en/banking-and-financial-services/jd-bancshares-inc.-announces-q2-2026-financial-results-1195317)\non ACCESS Newswire\n\n\nCopyright 2026 ACCESS Newswire. All Rights Reserved."},"type":"article","timestamp":"2026-07-23T20:15:04.762470262Z","server_sent_at_ms":1784837704762},"received_at":"2026-07-23T20:15:04.914Z","source_url":"https://www.accessnewswire.com/newsroom/en/banking-and-financial-services/jd-bancshares-inc.-announces-q2-2026-financial-results-1195317"},"analysis":{"id":"86383","press_release_id":"97333","analysis_json":{"industry":{"label":"Banks","sector":"Financials"},"redFlags":["YTD ROE declined to 12.11% from 13.74% in the prior year period","Net charge-offs of $276,000 in Q2 vs net recoveries of $31,000 in prior year quarter"],"eventType":"earnings","narrative":"JD Bancshares reported Q2 2026 net income of $3.33 million, or $0.97 per share, an increase from $2.93 million or $0.85 per share in the prior year quarter.\n\nNet interest income rose to $12.1 million, driven by higher yields on earning assets, while asset quality improved with nonperforming assets decreasing to $5.8 million.\n\nTangible book value per share grew to $30.17 from $28.86 at year-end 2025, supported by retained earnings partially offset by $2.1 million in dividends paid.","sentiment":"bullish","agentHooks":{"shouldPost":false,"suggestedAngle":"Solid Q2 earnings growth for JDVB, though YTD returns on equity trail last year."},"keyFigures":{"eps":"$0.97","customDimensions":{"roa":"1.06%","roe":"12.70%","dividends_paid":"$2.1 million","net_interest_income":"$12.1 million","nonperforming_assets":"$5.8 million","tangible_book_value_per_share":"$30.17"}},"quotedText":"I am pleased to share that our quarterly financial results reflect the strength of our team, the loyalty of our customers, and the confidence of our shareholders.","namedEntities":{"people":[{"name":"Paul E. Brummett, II","role":"CEO"},{"name":"Jared Doucet","role":"CFO"}],"products":[],"companies":[{"name":"JD Bancshares, Inc.","ticker":"JDVB"},{"name":"JD Bank","relationship":"subsidiary"}],"dollarAmounts":[{"amount":"$3,329,725","context":"Q2 2026 net income"},{"amount":"$12.1 million","context":"Q2 2026 net interest income"},{"amount":"$5.8 million","context":"Total nonperforming assets at June 30, 2026"},{"amount":"$2.1 million","context":"Dividends paid YTD"}]},"materialImpact":{"score":2,"reasoning":"Routine earnings release for a small-cap bank holding company showing solid growth in EPS and net interest income, plus improved asset quality. However, no explicit consensus beat is provided and the scale is not market-moving."},"tickerRelevance":{"others":[],"primary":"JDVB"},"globalImportance":5,"audienceRelevance":5,"eventTypeSecondary":[],"importanceComponents":{"tickerTier":"micro-cap","eventGravity":"routine_earnings"}},"event_type":"earnings","event_type_secondary":null,"sentiment":"bullish","material_impact_score":2,"narrative":"JD Bancshares reported Q2 2026 net income of $3.33 million, or $0.97 per share, an increase from $2.93 million or $0.85 per share in the prior year quarter.\n\nNet interest income rose to $12.1 million, driven by higher yields on earning assets, while asset quality improved with nonperforming assets decreasing to $5.8 million.\n\nTangible book value per share grew to $30.17 from $28.86 at year-end 2025, supported by retained earnings partially offset by $2.1 million in dividends paid.","key_figures":{"eps":"$0.97","customDimensions":{"roa":"1.06%","roe":"12.70%","dividends_paid":"$2.1 million","net_interest_income":"$12.1 million","nonperforming_assets":"$5.8 million","tangible_book_value_per_share":"$30.17"}},"named_entities":{"people":[{"name":"Paul E. Brummett, II","role":"CEO"},{"name":"Jared Doucet","role":"CFO"}],"products":[],"companies":[{"name":"JD Bancshares, Inc.","ticker":"JDVB"},{"name":"JD Bank","relationship":"subsidiary"}],"dollarAmounts":[{"amount":"$3,329,725","context":"Q2 2026 net income"},{"amount":"$12.1 million","context":"Q2 2026 net interest income"},{"amount":"$5.8 million","context":"Total nonperforming assets at June 30, 2026"},{"amount":"$2.1 million","context":"Dividends paid YTD"}]},"model_name":"glm-4.7","prompt_hash":"sha256:727b4b9429a443af","schema_hash":"sha256:05005c02d9cffac9","created_at":"2026-07-24T00:00:27.885Z","global_importance":5,"audience_relevance":5,"importance_components":{"tickerTier":"micro-cap","eventGravity":"routine_earnings"}},"durationMs":527541,"modelName":"glm-4.7"}}