PackageTrendsPeer
Letter portraitLegal landscape

Bank of Jackson, The

Jackson, TN · Cert 34457

FDIC · 3 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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=495 to 541). 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

59

Q2 2024Q4 2025peer median (50)

Asset Quality

61

Q2 2024Q4 2025peer median (50)

Profitability

10

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

12

Q2 2024Q4 2025peer 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

Bank of Jackson, The

Jackson, TN · Cert 34457

FDIC · 3 branches

Q4 2025

$224.1MAssets
$51.8MLoans
$198.5MDeposits
$19.7MEquity
Loan mix
89%RE $45.9M8%C&I $4.2M3%Consumer $1.6MQ4 2024Q4 2025
Deposit mix
87%Interest-bearing $172.6M13%Noninterest $25.8MQ4 2024Q4 2025

NIM

3.44%Q4 ’233.65%Q4 ’243.78%Q4 ’25-13%+23%

Non-interest income vs. expense

1.68%Q4 ’231.66%Q4 ’242.09%Q4 ’25+1%+28%

Market Position · Jackson, TN · 2025 SOD (annual) · 3.9% share · #8 of 24 inst. · $0.2B of $4.4B

Executive Summary

  • Earnings: ROA of 0.19%, up 2 bps year over year; NIM at 2.16%.
  • Asset quality: problem loans at 0.20% of loans (+12 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.53%, up 64 bps from a year ago.
  • Funding: loans stand at 26.11% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.19%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.16%+40 bps YoY

Efficiency Ratio (YTD, annualized)

91.27%+349 bps YoY

Tier 1 Leverage Ratio

10.53%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.17%0.39%0.42%0.42%0.19%+2 bps
Return on Equity2.09%4.61%4.97%4.76%2.14%+5 bps
Net Interest Margin1.76%1.97%2.09%2.23%2.16%+40 bps
Efficiency Ratio87.78%78.96%78.41%78.11%91.27%+349 bps
Non-Interest Burden1.53%1.53%1.61%1.71%1.96%+43 bps
Growth
Asset Growth (YoY)-2.12%-2.49%-3.87%-9.09%1.81%+393 bps
Loan Growth (YoY)-2.69%-0.91%2.75%5.45%-14.19%-1,150 bps
Deposit Growth (YoY)-2.36%-2.16%-4.22%-4.14%7.10%+946 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.08%0.27%0.26%0.20%+12 bps
Net Charge-Offs / Loans0.10%0.01%0.02%0.01%0.11%+1 bps
Allowance / Loans1.69%1.68%1.62%1.64%1.24%-45 bps
Allowance Coverage of NPLs19.7x21.7x5.9x6.3x6.1x-13.5x
Capital
Tier 1 Leverage Ratio9.89%10.05%10.47%10.91%10.53%+64 bps
Total Risk-Based Capital16.61%18.08%18.30%19.64%19.11%+251 bps
Equity / Assets8.09%8.65%8.93%10.01%8.80%+72 bps
Liquidity & Funding
Loans / Deposits32.59%33.68%35.98%35.86%26.11%-648 bps
Liquid Assets / Assets8.50%13.23%16.91%16.03%24.63%+1,613 bps
CRE / Total Capitaln/an/an/a160.34%130.44%n/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

Bank of Jackson, The

Jackson, TN · Cert 34457 · Peer group: banks under $1B in assets (n=495-541)

FDIC · 3 branches

Q4 2025

$224.1MAssets
$51.8MLoans
$198.5MDeposits
$19.7MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets (rank 512 of 541).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.18%

Rank 477 of 541

Net Interest Margin

2.16%

Rank 512 of 541

Efficiency Ratio

91.27%

Rank 478 of 540

Equity / Assets

8.80%

Rank 414 of 541

Non-interest income vs. expense

$0.3M$4.4MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 12% of banks under $1B in assets
Bank 91.27%Peer median 68.7%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.18%0.56%0.97%1.38%Beats 12%477 / 541
Return on Equity2.05%5.68%9.28%12.43%Beats 13%472 / 541
Net Interest Margin2.16%2.87%3.39%3.85%Beats 5%512 / 541
Efficiency Ratio91.27%58.91%68.65%80.35%Beats 12%478 / 540
Asset Quality
Nonperforming Loans / Loans0.20%0.07%0.34%1.07%Beats 61%193 / 495
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.57%10.99%13.81%17.99%Beats 77%125 / 541
Total Risk-Based Capital Ratio19.11%11.43%14.30%18.80%Beats 76%131 / 541
Equity / Assets8.80%8.87%10.43%13.26%Beats 23%414 / 541
Liquidity & Funding
Loans / Deposits26.11%65.07%79.29%92.66%1st pctl488 / 495
Loans / Assets23.13%55.91%67.98%77.76%2nd pctl486 / 495
Brokered Deposits / Deposits0.00%n/an/a3.32%Beats 100%289 / 506