First Jackson Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Jackson Bank of Stevenson, AL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.90% | 1.25% | +0.65% | 81st top |
| ROAE | 13.67% | 12.22% | +1.45% | 57th above |
| Net Interest Margin | 3.90% | 3.95% | -0.05% | 47th below |
| Efficiency Ratio | 36.90% | 63.71% | -26.81% | 97th top |
| PPNR / Avg Assets | 2.44% | — | — | 87th top |
| Yield on Earning Assets | 6.36% | 5.67% | +0.69% | 83rd top |
| Cost of Funds | 2.80% | 1.87% | +0.93% | 9th bottom |
| Net Interest Spread | 3.16% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.88% | -0.80% | 76th top |
| NPA / Total Assets | 0.15% | — | — | 65th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 1.08% | — | — | 36th below |
| ACL / NPLs (Coverage) | 1318.97% | — | — | — |
| Texas Ratio | 0.98% | 5.96% | -4.98% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.78% | 11.75% | +3.03% | 85th top |
| Equity / Assets | 14.23% | 10.98% | +3.25% | 85th top |
| TCE / Tangible Assets | 14.23% | — | — | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.68% | 80.44% | +5.24% | 39th below |
| Core Deposit Ratio | 69.28% | 86.95% | -17.67% | 5th bottom |
| Wholesale Funding Ratio | 4.05% | — | — | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.57% | — | — | 35th below |
| Loan Growth (Y/Y) | 2.17% | — | — | 31st below |
| Deposit Growth (Y/Y) | 2.98% | — | — | 42nd below |
See First Jackson Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Jackson Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Jackson Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Jackson Bank peer analysis.