Jackson Federal Savings & Loan Association
Jackson, MN · Cert 30492 · Peer group: banks under $1B in assets in MN (n=119-121)
FDIC · 1 branch
Q2 2025
$27.3MAssets
$14.2MLoans
$20.5MDeposits
$5.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 44 of 119).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in MN (rank 121 of 121).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.54%
Rank 119 of 121
Net Interest Margin
1.68%
Rank 121 of 121
Efficiency Ratio
117.83%
Rank 121 of 121
Equity / Assets
21.40%
Rank 5 of 121
Non-interest income vs. expense
Unfavorable gap of $0.6M · efficiency ratio beats 1% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.54% | 0.66% | 1.01% | 1.31% | Beats 2% | 119 / 121 | | |
| Return on Equity | -2.54% | 7.17% | 10.35% | 12.66% | Beats 2% | 118 / 121 | | |
| Net Interest Margin | 1.68% | 3.16% | 3.61% | 4.11% | Beats 0% | 121 / 121 | | |
| Efficiency Ratio | 117.83% | 57.71% | 63.44% | 72.50% | Beats 1% | 121 / 121 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.03% | 0.36% | 1.18% | Beats 49% | 62 / 119 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 44 / 119 | | |
| Capital |
| Tier 1 Capital Ratio | 59.01% | 11.31% | 13.44% | 18.02% | Beats 97% | 4 / 121 | | |
| Total Risk-Based Capital Ratio | 60.20% | 11.99% | 14.57% | 19.27% | Beats 97% | 4 / 121 | | |
| Equity / Assets | 21.40% | 8.03% | 9.63% | 11.71% | Beats 96% | 5 / 121 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.39% | 62.21% | 77.25% | 88.14% | 35th pctl | 77 / 119 | | |
| Loans / Assets | 52.21% | 53.50% | 66.63% | 76.08% | 21st pctl | 94 / 119 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |