JD Bancshares Inc. Reports Strong 2025 Financial Results and Dividend Declaration

JD Bancshares Inc. (OTCQX: JDVB), the parent holding company of JD Bank, released its unaudited financial results for the three‑month and twelve‑month periods ending December 31, 2025. The company posted net income of $3,232,870 ($0.94 per share) for the quarter, down from $3,777,235 ($1.10 per share) for the September 30 quarter but up from $3,245,496 ($0.95 per share) for the same period in 2024.

Earnings and Operating Performance

  • Pre‑Tax, Pre‑Provision Operating Income (PTPPI) for the December 31 quarter rose to $4,382,523, an increase of $108,338 versus the September quarter and $455,822 versus the same quarter in 2024.
  • The increase was largely driven by higher net interest income and lower non‑interest expenses.
  • For the full year ended December 31, 2025, net income reached $12,862,338 ($3.75 per share), slightly lower than the $13,632,825 ($3.98 per share) reported in 2024.
  • PTPPI for the year was $16,112,203, a 1.51 % rise from $15,872,880 in 2024, supported by a 4.40 % increase in net interest income and a 4.00 % increase in non‑interest expense.

Asset Quality

  • Loans past due 30‑89 days totaled $1.8 million (0.23 % of total gross loans), down from $2.9 million (0.40 %) at the end of 2024.
  • Total non‑performing assets—including non‑accrual loans, OREO and repossessed assets—declined to $6.8 million from $7.6 million in 2024.
  • Non‑accrual loans decreased to $3.9 million from $5.4 million year‑end 2024; OREO assets were $2,951,000 versus $2,205,000.
  • No repossessed assets were reported for either year.
  • The Allowance for Credit Losses (ACL) at December 31, 2025, was $8.9 million (1.15 % of total loans), slightly lower than the $9.1 million (1.26 %) recorded at the end of 2024.

Management Commentary

Chief Executive Officer Paul Brummett highlighted the company’s disciplined strategy and community focus, noting that JD Bancshares was recognized as one of the best banks in the country to work for by American Banker magazine. He stated that the firm will continue to build infrastructure for new markets while enhancing services in existing markets.

Dividend Declaration

On January 21, 2026, JD Bancshares declared a cash dividend of $0.30 per share, a move reported by both Seeking Alpha and feeds.feedburner.com. The dividend reflects the company’s commitment to returning value to shareholders.

Market Context

  • The company’s most recent closing price (January 20, 2026) was $31.07, within a 52‑week range of $23.57 to $31.85.
  • JD Bancshares operates primarily in Southwest Louisiana, offering banking products to individuals and businesses, and is listed on the OTC Bulletin Board.

The financial results and dividend declaration demonstrate JD Bancshares’ continued operational strength and shareholder‑friendly policy as it navigates the 2026 banking environment.