FIRST JACKSON BANK

STEVENSON, AL | Small | Est. April 10, 1981, midnight | FDIC #23376 | RSSD #248633 | FDIC
Latest Report: 2025-12-31

FIRST JACKSON BANK is asn small FDIC-insured commercial bank headquartered in STEVENSON, AL, established in April 10, 1981, midnight. As of 2025-12-31, the bank reported total assets of $449M and total deposits of $358M. Profitability stands at 1.46% ROA and 10.99% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 13.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 1.97%. FDIC Certificate #23376.

Assets

$449M

Deposits

$358M

Loans

$320M

Equity

$60M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 10.99%
Net Interest Margin (NIM) 3.96%
Yield on Assets 6.64%
Cost of Funds 2.91%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.97%
NPA Ratio 0.28%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 13.35%
Tier 1 Capital 13.35%
Total Capital Ratio 14.02%
Leverage Ratio 13.91%
Loan-to-Deposit 89.44%

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