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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