Sardis, TN · Cert 6110 · 1st Jackson Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
22
Profitability
45
Liquidity
83
Efficiency
30
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.
Sardis, TN · Cert 6110 · 1st Jackson Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (12 in holding)
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 0.7% share · #16 of 23 inst. · $0.0B of $4.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.46% | 0.57% | 0.53% | 0.51% | 0.52% | 0.53% | 0.70% | +17 bps | |
| Return on Equity | 6.47% | 5.41% | 6.48% | 5.85% | 5.59% | 5.58% | 5.50% | 7.14% | +129 bps | |
| Net Interest Margin | 3.43% | 3.53% | 3.80% | 3.86% | 3.82% | 3.76% | 3.76% | 3.97% | +11 bps | |
| Efficiency Ratio | 80.44% | 79.77% | 76.37% | 79.32% | 79.91% | 81.02% | 80.00% | 76.14% | -318 bps | |
| Non-Interest Burden | 2.70% | 2.75% | 2.82% | 3.00% | 2.99% | 2.99% | 2.96% | 2.95% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.44% | 1.62% | 2.41% | -2.97% | 0.48% | -0.19% | 1.41% | 3.50% | +646 bps | |
| Loan Growth (YoY) | 3.27% | 0.13% | -0.04% | -2.19% | -8.00% | -6.57% | -6.72% | 1.31% | +350 bps | |
| Deposit Growth (YoY) | 0.91% | 1.08% | 1.66% | -4.16% | 0.11% | -1.09% | 1.03% | 3.30% | +746 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.37% | 0.20% | 0.24% | 0.19% | 0.41% | 0.27% | 0.65% | 1.21% | +102 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.28% | 0.11% | 0.07% | 0.05% | 0.20% | 0.03% | 0.21% | +13 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.84% | 0.90% | 0.98% | 0.85% | 0.86% | 0.75% | -16 bps | |
| Allowance Coverage of NPLs | 0.6x | 4.2x | 3.6x | 4.7x | 2.4x | 3.2x | 1.3x | 0.6x | -4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.13% | 10.35% | 10.58% | 10.58% | 10.55% | 10.50% | 10.62% | +4 bps | |
| Total Risk-Based Capital | 10.05% | 10.13% | 10.35% | 10.58% | 10.58% | 10.55% | 10.50% | 10.62% | +4 bps | |
| Equity / Assets | 9.05% | 8.69% | 9.02% | 9.42% | 9.61% | 9.82% | 9.61% | 9.80% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.98% | 75.95% | 77.07% | 76.88% | 72.59% | 71.74% | 71.16% | 75.40% | -148 bps | |
| Liquid Assets / Assets | 0.06% | 1.44% | 1.46% | 1.49% | 0.53% | 0.54% | 0.53% | 0.54% | -96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 204% | 206% | 208% | n/a | n/a | |
Sardis, TN · Cert 6110 · Peer group: banks under $1B in assets (n=581-629) · 1st Jackson Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (12 in holding)
Q2 2026
Return on Assets
0.69%
Rank 445 of 629
Net Interest Margin
3.97%
Rank 175 of 629
Efficiency Ratio
76.58%
Rank 441 of 629
Equity / Assets
9.80%
Rank 395 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.60% | 1.01% | 1.45% | Beats 29% | 445 / 629 | ||
| Return on Equity | 7.04% | 5.38% | 9.30% | 13.28% | Beats 33% | 422 / 629 | ||
| Net Interest Margin | 3.97% | 3.03% | 3.54% | 4.05% | Beats 72% | 175 / 629 | ||
| Efficiency Ratio | 76.58% | 58.35% | 67.79% | 79.08% | Beats 30% | 441 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.21% | 0.09% | 0.46% | 1.20% | Beats 25% | 437 / 581 | ||
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 18% | 480 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.62% | 11.24% | 13.84% | 18.77% | Beats 18% | 518 / 629 | ||
| Total Risk-Based Capital Ratio | 10.62% | 11.58% | 14.43% | 19.66% | Beats 15% | 533 / 629 | ||
| Equity / Assets | 9.80% | 9.09% | 10.65% | 13.80% | Beats 37% | 395 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.40% | 67.24% | 80.90% | 93.48% | 40th pctl | 355 / 594 | ||
| Loans / Assets | 67.17% | 53.31% | 67.71% | 78.15% | 48th pctl | 327 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||