Jackson County Bank
Seymour, IN · Cert 13109 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Bancorp of Southern Indiana
State charter, non-member · FDIC · 14 branches
Q2 2026
$1.1BAssets
$908.4MLoans
$894.8MDeposits
$91.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 89% of banks $1B-$10B in assets operating in a single state (rank 32 of 267).
- Widest gap: equity / assets trails 91% of banks $1B-$10B in assets operating in a single state (rank 242 of 267).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.76%
Rank 224 of 267
Net Interest Margin
3.22%
Rank 185 of 267
Efficiency Ratio
73.09%
Rank 217 of 266
Equity / Assets
8.23%
Rank 242 of 267
Non-interest income vs. expense
Unfavorable gap of $22.3M · efficiency ratio beats 19% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.93% | 1.23% | 1.55% | Beats 16% | 224 / 267 | |
| Return on Equity | 9.26% | 9.16% | 11.84% | 14.56% | Beats 25% | 199 / 267 | |
| Net Interest Margin | 3.22% | 3.12% | 3.50% | 3.88% | Beats 31% | 185 / 267 | |
| Efficiency Ratio | 73.09% | 51.36% | 60.21% | 69.66% | Beats 19% | 217 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.46% | 0.89% | Beats 40% | 162 / 267 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 89% | 32 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.29% | 13.05% | 15.13% | Beats 22% | 208 / 267 | |
| Total Risk-Based Capital Ratio | 12.17% | 11.95% | 13.87% | 16.27% | Beats 28% | 191 / 267 | |
| Equity / Assets | 8.23% | 9.18% | 10.29% | 11.76% | Beats 9% | 242 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 101.52% | 72.68% | 86.16% | 95.22% | 86th pctl | 38 / 267 | |
| Loans / Assets | 81.85% | 62.46% | 71.96% | 78.38% | 86th pctl | 37 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |