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
Unfavorable gap of $712K · efficiency ratio beats 12% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.60% | 1.00% | 1.45% | Beats 11% | 551 / 620 | |
| Return on Equity | 0.95% | 5.30% | 9.30% | 13.29% | Beats 9% | 562 / 620 | |
| Net Interest Margin | 2.52% | 3.02% | 3.53% | 4.04% | Beats 10% | 556 / 620 | |
| Efficiency Ratio | 91.30% | 58.35% | 68.08% | 79.37% | Beats 12% | 549 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.47% | 1.27% | Beats 49% | 294 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 45.31% | 11.27% | 13.87% | 18.78% | Beats 91% | 58 / 620 | |
| Total Risk-Based Capital Ratio | 45.75% | 11.69% | 14.57% | 19.67% | Beats 91% | 58 / 620 | |
| Equity / Assets | 22.36% | 9.03% | 10.60% | 13.73% | Beats 89% | 69 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 94.50% | 65.08% | 79.69% | 92.47% | 79th pctl | 124 / 585 | |
| Loans / Assets | 73.15% | 51.85% | 67.17% | 77.86% | 63rd pctl | 232 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |