Bank Comparison
First National Bank of Anderson, the vs The Bank of Jackson
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Anderson, the | The Bank of Jackson |
|---|---|---|
| CET1 Ratio | — | 18.57% |
| Tier 1 Capital Ratio | — | 18.57% |
| Total Capital Ratio | — | 19.11% |
| Tier 1 Leverage Ratio | 11.27% | 10.53% |
| Equity / Assets | 11.63% | 8.80% |
Profitability
| Metric | First National Bank of Anderson, the | The Bank of Jackson |
|---|---|---|
| Return on Assets (ROA) | 1.17% | -0.50% |
| Return on Equity (ROE) | 10.64% | -5.30% |
| Net Interest Margin (NIM) | 4.09% | 2.21% |
| Yield on Earning Assets | 5.38% | 3.82% |
| Cost of Funds | 1.42% | 1.71% |
Asset quality
| Metric | First National Bank of Anderson, the | The Bank of Jackson |
|---|---|---|
| Texas Ratio | 9.95% | 0.52% |
| Non-Performing Loan Ratio | 1.97% | 0.20% |
| Non-Performing Asset Ratio | 1.24% | 0.05% |
| Net Charge-Off Ratio | -0.01% | 0.37% |
| ACL / Loans | 1.41% | 1.24% |
Balance sheet
| Metric | First National Bank of Anderson, the | The Bank of Jackson |
|---|---|---|
| Total Assets | $223,921K | $224,068K |
| Total Deposits | $197,446K | $198,451K |
| Total Loans | $141,281K | $51,817K |
| Total Equity | $26,031K | $19,727K |
| Net Income (quarter) | $686 | $-261 |
Liquidity & funding
| Metric | First National Bank of Anderson, the | The Bank of Jackson |
|---|---|---|
| Loan-to-Deposit Ratio | 71.55% | 26.11% |
| Core Deposit Ratio | 89.89% | 88.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Anderson, the | The Bank of Jackson |
|---|---|---|
| Headquarters City | ANDERSON | Jackson |
| Headquarters State | TX | TN |
| Asset Tier | Small | Small |
| Charter Class | 7337 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 48 | 18 |
| Established | July 5, 1904, midnight | June 2, 1997, 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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