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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.60% | 1.01% | 1.45% | Beats 11% | 561 / 629 | | |
| Return on Equity | 0.95% | 5.38% | 9.30% | 13.28% | Beats 9% | 571 / 629 | | |
| Net Interest Margin | 2.52% | 3.03% | 3.54% | 4.05% | Beats 10% | 566 / 629 | | |
| Efficiency Ratio | 91.30% | 58.35% | 67.79% | 79.08% | Beats 12% | 557 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.46% | 1.20% | Beats 48% | 304 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 45.31% | 11.24% | 13.84% | 18.77% | Beats 90% | 62 / 629 | | |
| Total Risk-Based Capital Ratio | 45.75% | 11.58% | 14.43% | 19.66% | Beats 90% | 62 / 629 | | |
| Equity / Assets | 22.36% | 9.09% | 10.65% | 13.80% | Beats 89% | 71 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.50% | 67.24% | 80.90% | 93.48% | 78th pctl | 133 / 594 | | |
| Loans / Assets | 73.15% | 53.31% | 67.71% | 78.15% | 61st pctl | 244 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |