Bank Comparison
First Jackson Bank vs Jones Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Jackson Bank | Jones Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.35% | 11.23% |
| Equity / Assets | 13.86% | 7.98% |
Profitability
| Metric | First Jackson Bank | Jones Bank |
|---|---|---|
| Return on Assets (ROA) | 1.94% | 1.30% |
| Return on Equity (ROE) | 14.27% | 16.62% |
| Net Interest Margin (NIM) | 3.98% | 3.05% |
| Yield on Earning Assets | 6.46% | 4.85% |
| Cost of Funds | 2.76% | 2.00% |
Asset quality
| Metric | First Jackson Bank | Jones Bank |
|---|---|---|
| Texas Ratio | 2.03% | 2.17% |
| Non-Performing Loan Ratio | 0.03% | 0.31% |
| Non-Performing Asset Ratio | 0.27% | 0.18% |
| Net Charge-Off Ratio | -0.06% | 0.00% |
| ACL / Loans | 1.02% | 1.67% |
Balance sheet
| Metric | First Jackson Bank | Jones Bank |
|---|---|---|
| Total Assets | $439,627K | $438,351K |
| Total Deposits | $357,150K | $369,509K |
| Total Loans | $318,095K | $248,794K |
| Total Equity | $60,923K | $34,965K |
| Net Income (quarter) | $2,156K | $1,459K |
Liquidity & funding
| Metric | First Jackson Bank | Jones Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.06% | 67.33% |
| Core Deposit Ratio | 73.73% | 91.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Jackson Bank | Jones Bank |
|---|---|---|
| Headquarters City | STEVENSON | SEWARD |
| Headquarters State | AL | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 47 | 54 |
| Established | April 10, 1981, midnight | Oct. 1, 1883, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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