Jackson County Bank
Seymour, IN · Cert 13109 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 88% of banks $1B-$10B in assets operating in a single state (rank 34 of 258).
- Widest gap: equity / assets trails 90% of banks $1B-$10B in assets operating in a single state (rank 231 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.76%
Rank 217 of 258
Net Interest Margin
3.22%
Rank 179 of 258
Efficiency Ratio
73.09%
Rank 210 of 257
Equity / Assets
8.23%
Rank 231 of 258
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.93% | 1.23% | 1.54% | Beats 16% | 217 / 258 | | |
| Return on Equity | 9.26% | 9.26% | 11.84% | 14.74% | Beats 25% | 193 / 258 | | |
| Net Interest Margin | 3.22% | 3.16% | 3.49% | 3.88% | Beats 31% | 179 / 258 | | |
| Efficiency Ratio | 73.09% | 51.71% | 60.30% | 69.65% | Beats 19% | 210 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.46% | 0.90% | Beats 40% | 157 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 88% | 34 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.41% | 12.98% | 15.12% | Beats 21% | 204 / 258 | | |
| Total Risk-Based Capital Ratio | 12.17% | 12.10% | 13.91% | 16.08% | Beats 27% | 189 / 258 | | |
| Equity / Assets | 8.23% | 9.09% | 10.24% | 11.72% | Beats 10% | 231 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.52% | 73.24% | 86.34% | 95.95% | 86th pctl | 37 / 258 | | |
| Loans / Assets | 81.85% | 63.01% | 72.27% | 78.40% | 86th pctl | 36 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |