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
Unfavorable gap of $4.1M · 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 | 0.18% | 0.56% | 0.97% | 1.38% | Beats 12% | 477 / 541 | |
| Return on Equity | 2.05% | 5.68% | 9.28% | 12.43% | Beats 13% | 472 / 541 | |
| Net Interest Margin | 2.16% | 2.87% | 3.39% | 3.85% | Beats 5% | 512 / 541 | |
| Efficiency Ratio | 91.27% | 58.91% | 68.65% | 80.35% | Beats 12% | 478 / 540 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.07% | 0.34% | 1.07% | Beats 61% | 193 / 495 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.57% | 10.99% | 13.81% | 17.99% | Beats 77% | 125 / 541 | |
| Total Risk-Based Capital Ratio | 19.11% | 11.43% | 14.30% | 18.80% | Beats 76% | 131 / 541 | |
| Equity / Assets | 8.80% | 8.87% | 10.43% | 13.26% | Beats 23% | 414 / 541 | |
| Liquidity & Funding |
| Loans / Deposits | 26.11% | 65.07% | 79.29% | 92.66% | 1st pctl | 488 / 495 | |
| Loans / Assets | 23.13% | 55.91% | 67.98% | 77.76% | 2nd pctl | 486 / 495 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.32% | Beats 100% | 289 / 506 | |