Bank Comparison
Jackson Federal Savings and Loan Association vs First Federal Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 7
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Jackson Federal Savings and Loan Association | First Federal Savings and Loan Association |
|---|---|---|
| CET1 Ratio | 59.01% | 22.89% |
| Tier 1 Capital Ratio | 59.01% | 22.89% |
| Total Capital Ratio | 60.20% | 23.83% |
| Tier 1 Leverage Ratio | 24.80% | 10.12% |
| Equity / Assets | 21.40% | 10.11% |
Profitability
| Metric | Jackson Federal Savings and Loan Association | First Federal Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | -2.11% | 0.24% |
| Return on Equity (ROE) | -9.57% | 2.34% |
| Net Interest Margin (NIM) | 1.91% | 2.16% |
| Yield on Earning Assets | 3.80% | 5.13% |
| Cost of Funds | 2.16% | 3.24% |
Asset quality
| Metric | Jackson Federal Savings and Loan Association | First Federal Savings and Loan Association |
|---|---|---|
| Texas Ratio | 0.97% | 7.60% |
| Non-Performing Loan Ratio | 0.41% | 0.51% |
| Non-Performing Asset Ratio | 0.21% | 0.37% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.00% | 0.57% |
Balance sheet
| Metric | Jackson Federal Savings and Loan Association | First Federal Savings and Loan Association |
|---|---|---|
| Total Assets | $27,280K | $27,131K |
| Total Deposits | $20,524K | $24,179K |
| Total Loans | $14,242K | $19,787K |
| Total Equity | $5,838K | $2,743K |
| Net Income (quarter) | $-141 | $16 |
Liquidity & funding
| Metric | Jackson Federal Savings and Loan Association | First Federal Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 69.39% | 81.84% |
| Core Deposit Ratio | 92.54% | 83.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Jackson Federal Savings and Loan Association | First Federal Savings and Loan Association |
|---|---|---|
| Headquarters City | Jackson | RAVENSWOOD |
| Headquarters State | MN | WV |
| Asset Tier | Micro | Micro |
| Charter Class | 705440 | 703542 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 4 |
| Established | Jan. 1, 1892, midnight | Jan. 1, 1934, 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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