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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=581 to 629). 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

74

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

39

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 2026-10-11

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 $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $24.7M0%Noninterest $0.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.03%-0.15%-0.24%-0.16%-0.16%-0.13%0.25%0.22%+38 bps
Return on Equity-0.11%-0.64%-1.01%-0.67%-0.69%-0.53%1.07%0.96%+163 bps
Net Interest Margin2.82%2.86%2.66%2.55%2.48%2.44%2.47%2.52%-2 bps
Efficiency Ratio100.97%105.51%109.23%106.22%106.41%105.00%90.16%91.30%-1,491 bps
Non-Interest Burden2.85%3.02%2.91%2.70%2.64%2.57%2.22%2.30%-40 bps
Growth
Asset Growth (YoY)-11.13%-11.22%3.57%6.42%6.11%5.18%4.42%3.10%-332 bps
Loan Growth (YoY)3.15%10.15%13.12%19.46%16.67%14.24%6.99%6.72%-1,274 bps
Deposit Growth (YoY)-14.27%-14.27%5.06%8.78%8.49%7.13%5.82%4.03%-475 bps
Asset Quality
Nonperforming Loans / Loans1.26%1.15%0.98%1.21%1.35%0.96%0.73%0.49%-72 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.35%0.34%0.33%0.31%0.30%0.30%0.30%0.29%-2 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.2x0.3x0.4x0.6x+0.3x
Capital
Tier 1 Leverage Ratio24.62%24.51%24.26%23.43%22.90%22.81%22.85%23.04%-39 bps
Total Risk-Based Capital51.81%50.65%48.70%46.92%45.15%46.88%47.18%45.75%-117 bps
Equity / Assets24.53%24.56%23.82%22.99%22.87%23.23%22.81%22.36%-63 bps
Liquidity & Funding
Loans / Deposits87.55%91.71%92.00%92.12%94.15%97.80%93.02%94.50%+238 bps
Liquid Assets / Assets29.75%26.48%25.02%24.73%23.77%20.92%24.21%22.13%-260 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Jackson Savings Bank, SSB

Sylva, NC · Cert 31266 · Peer group: banks under $1B in assets (n=581-629)

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 158 of 581).
  • Widest gap: return on equity trails 91% of banks under $1B in assets (rank 571 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.21%

Rank 561 of 629

Net Interest Margin

2.52%

Rank 566 of 629

Efficiency Ratio

91.30%

Rank 557 of 629

Equity / Assets

22.36%

Rank 71 of 629

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 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.21%0.60%1.01%1.45%Beats 11%561 / 629
Return on Equity0.95%5.38%9.30%13.28%Beats 9%571 / 629
Net Interest Margin2.52%3.03%3.54%4.05%Beats 10%566 / 629
Efficiency Ratio91.30%58.35%67.79%79.08%Beats 12%557 / 629
Asset Quality
Nonperforming Loans / Loans0.49%0.09%0.46%1.20%Beats 48%304 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio45.31%11.24%13.84%18.77%Beats 90%62 / 629
Total Risk-Based Capital Ratio45.75%11.58%14.43%19.66%Beats 90%62 / 629
Equity / Assets22.36%9.09%10.65%13.80%Beats 89%71 / 629
Liquidity & Funding
Loans / Deposits94.50%67.24%80.90%93.48%78th pctl133 / 594
Loans / Assets73.15%53.31%67.71%78.15%61st pctl244 / 629
Brokered Deposits / Depositsn/aNot reported for this institution