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Jackson Savings Bank, SSB

Sylva, NC · Cert 31266

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

90

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Jackson Savings Bank, SSB

Sylva, NC · Cert 31266

SI · FDIC · 1 branch

Q2 2026

$31.9MAssets
$23.3MLoans
$24.7MDeposits
$7.1MEquity
Loan mix
100%RE $22.5M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $24.7M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.07%Q2 ’255.07%Q2 ’26-11%-1%

Non-interest income vs. expense

2.85%Q2 ’242.70%Q2 ’252.31%Q2 ’26-5%-15%

Executive Summary

  • Earnings: ROA of 0.22%, up 38 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.49% of loans (-72 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.04%, down 39 bps from a year ago.
  • Funding: loans stand at 94.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%+38 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-2 bps YoY

Efficiency Ratio (YTD, annualized)

91.30%-1,491 bps YoY

Tier 1 Leverage Ratio

23.04%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.16%-0.16%-0.13%0.25%0.22%+38 bps
Return on Equity-0.67%-0.69%-0.53%1.07%0.96%+163 bps
Net Interest Margin2.55%2.48%2.44%2.47%2.52%-2 bps
Efficiency Ratio106.22%106.41%105.00%90.16%91.30%-1,491 bps
Non-Interest Burden2.70%2.64%2.57%2.22%2.30%-40 bps
Growth
Asset Growth (YoY)6.42%6.11%5.18%4.42%3.10%-332 bps
Loan Growth (YoY)19.46%16.67%14.24%6.99%6.72%-1,274 bps
Deposit Growth (YoY)8.78%8.49%7.13%5.82%4.03%-475 bps
Asset Quality
Nonperforming Loans / Loans1.21%1.35%0.96%0.73%0.49%-72 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.31%0.30%0.30%0.30%0.29%-2 bps
Allowance Coverage of NPLs0.3x0.2x0.3x0.4x0.6x+0.3x
Capital
Tier 1 Leverage Ratio23.43%22.90%22.81%22.85%23.04%-39 bps
Total Risk-Based Capital46.92%45.15%46.88%47.18%45.75%-117 bps
Equity / Assets22.99%22.87%23.23%22.81%22.36%-63 bps
Liquidity & Funding
Loans / Deposits92.12%94.15%97.80%93.02%94.50%+238 bps
Liquid Assets / Assets24.73%23.77%20.92%24.21%22.13%-260 bps
CRE / Total Capitaln/a70.53%53.52%43.71%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Jackson Savings Bank, SSB

Sylva, NC · Cert 31266 · Peer group: banks under $1B in assets (n=573-620)

SI · FDIC · 1 branch

Q2 2026

$31.9MAssets
$23.3MLoans
$24.7MDeposits
$7.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
  • Widest gap: return on equity trails 91% of banks under $1B in assets (rank 562 of 620).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.21%

Rank 551 of 620

Net Interest Margin

2.52%

Rank 556 of 620

Efficiency Ratio

91.30%

Rank 549 of 620

Equity / Assets

22.36%

Rank 69 of 620

Non-interest income vs. expense

$2K$714KINCOMEEXPENSE
Unfavorable gap of $712K · efficiency ratio beats 12% of banks under $1B in assets
Bank 91.30%Peer median 68.1%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.21%0.60%1.00%1.45%Beats 11%551 / 620
Return on Equity0.95%5.30%9.30%13.29%Beats 9%562 / 620
Net Interest Margin2.52%3.02%3.53%4.04%Beats 10%556 / 620
Efficiency Ratio91.30%58.35%68.08%79.37%Beats 12%549 / 620
Asset Quality
Nonperforming Loans / Loans0.49%0.09%0.47%1.27%Beats 49%294 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio45.31%11.27%13.87%18.78%Beats 91%58 / 620
Total Risk-Based Capital Ratio45.75%11.69%14.57%19.67%Beats 91%58 / 620
Equity / Assets22.36%9.03%10.60%13.73%Beats 89%69 / 620
Liquidity & Funding
Loans / Deposits94.50%65.08%79.69%92.47%79th pctl124 / 585
Loans / Assets73.15%51.85%67.17%77.86%63rd pctl232 / 620
Brokered Deposits / Depositsn/aNot reported for this institution