First Jackson Bank
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Data as of · sourced from FFIEC call reports. How we update
First Jackson Bank is an FDIC-insured commercial bank headquartered in Stevenson, AL, established in 1981 (FDIC certificate 23376), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $444.3M, up 2.6% from Q2 2025, the 34th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23376
- Headquarters
- Stevenson, AL
- Established
- 1981
- Total assets, Q2 2026
- $444.3M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 14.78%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 062203230
- Holding company
- 1ST JACKSON BANCSHARES, INC.
- Asset rank in state
- 34th of 93 in Alabama
First Jackson Bank runs leaner than most banks of its size. Its balance sheet stood at $444 million at June 30, 2026, up 2.6% from a year earlier; it is based in Stevenson, Alabama. It spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter rose 21% from a year earlier, to $2.1 million.
As of June 30, 2026, First Jackson Bank reported a return on assets of 1.90%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.98%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, First Jackson Bank is the 34th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $444.3M, loans fell 3.2% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.5% of total loans, ahead of 1-4 family residential loans at 25.4%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Stevenson office books 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Jackson Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 43243 Us Highway 72, Stevenson, AL 35772
- County
- Jackson
- Metro Area
- Scottsboro, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 10, 1981
- Former names
- First Jackson Bank, Inc. (2008)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $359.2M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$49K
- Average total assets
- $446.8M
- Average total loans
- $311.6M
- Average interest-bearing deposits
- $317.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 10, 1981
- FDIC Cert
- 23376
- Fed RSSD
- 248633
- Website
- www.firstjacksonbank.com →
- Parent Holding Company
- 1ST JACKSON BANCSHARES, INC. (RSSD 2306993)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Jackson Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Jackson Bank's total assets ran between $405.0M (Q3 2023) and $449.3M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$444.3M total assets against $433.1M; $381.0M total liabilities against $377.7M.
$304.5M net loans and leases against $298.2M; $359.2M total deposits against $348.9M.
$85.8M securities against $89.6M; $27.9M cash and balances due against $17.6M.
$6.8M total interest income against $6.5M; $2.7M total interest expense against $2.9M.
$4.2M net interest income against $3.6M.
$181K total noninterest income against $200K; $1.6M total noninterest expense against $1.6M.
$87K provision for credit losses against $91K.
$2.1M net income against $1.8M.
1.90% return on assets against 1.62%; 3.90% net interest margin against 3.54%.
14.78% tier 1 leverage ratio against 13.61%.
Inside the full First Jackson Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Jackson Bank rankings
Its closest position to the top of a national ranking is 120 of 3,606, for efficiency ratio; its furthest is 2,686 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q4 2024) to 1.94% (Q1 2026) and its net interest margin ran from 3.35% (Q4 2024) to 3.98% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.78% | 1.90% | 0.08% | 0.98% | 3.90% |
| Q1 2026 | 14.35% | 1.94% | 0.06% | 2.03% | 3.98% |
| Q4 2025 | 13.91% | 1.44% | 0.03% | 2.01% | 3.86% |
| Q3 2025 | 13.95% | 1.62% | 0.28% | 2.09% | 3.68% |
| Q2 2025 | 13.61% | 1.62% | 0.01% | 0.73% | 3.54% |
| Q1 2025 | 13.38% | 1.54% | 0.50% | 3.34% | 3.42% |
| Q4 2024 | 13.29% | 1.08% | 0.01% | 0.80% | 3.35% |
| Q3 2024 | 13.27% | 1.45% | 0.63% | 3.44% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Jackson Bank, Inc. | Stevenson , AL | 35772 | $181.4M |
| Scottsboro Wal-Mart Branch | Scottsboro , AL | 35768 | $52.1M |
| Wal-Mart Shopping Center Branch | Owens Cross Roads , AL | 35763 | $40.5M |
| Scottsboro Branch | Scottsboro , AL | 35768 | $36.4M |
| South Pittsburg Branch | South Pittsburg , TN | 37380 | $33.5M |
| Bridgeport Branch | Bridgeport , AL | 35740 | $14.0M |
| Skyline Branch | Scottsboro , AL | 35768 | $1.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 60 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $216K approved, $216K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Jackson Bank
What are First Jackson Bank's total assets?
As of the Q2 2026 filing, First Jackson Bank reported total assets of $444.3 million in its FFIEC call report.
Where is First Jackson Bank headquartered?
It is headquartered in Stevenson, AL, United States.
When was First Jackson Bank founded?
It was established in 1981, per the FDIC institution directory.
Is First Jackson Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23376). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Jackson Bank?
First Jackson Bank's primary federal regulator is the FDIC.
How many branches does First Jackson Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Jackson Bank's Texas Ratio?
Its Texas Ratio is 0.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Jackson Bank previously called?
The charter now named First Jackson Bank has also operated as First Jackson Bank, Inc. (2008), per FDIC structure-change records.
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