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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.20% | 0.57% | 0.48% | 0.48% | 0.54% | 0.53% | 0.85% | +37 bps | |
| Return on Equity | 7.93% | 2.25% | 6.48% | 5.24% | 5.09% | 5.55% | 5.50% | 8.81% | +356 bps | |
| Net Interest Margin | 3.58% | 3.71% | 3.80% | 3.89% | 3.82% | 3.74% | 3.76% | 4.21% | +32 bps | |
| Efficiency Ratio | 76.33% | 77.86% | 76.37% | 82.30% | 81.07% | 84.34% | 80.00% | 72.70% | -960 bps | |
| Non-Interest Burden | 2.66% | 2.83% | 2.82% | 3.16% | 3.04% | 3.11% | 2.96% | 2.97% | -19 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 | 0.19% | 0.67% | 0.11% | 0.04% | 0.00% | 0.63% | 0.03% | 0.38% | +35 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 | |