Jackson County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jackson County Bank of Seymour, IN against its peer group of 941 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 | 0.82% | 1.34% | -0.52% | 17th bottom |
| ROAE | 9.96% | 12.34% | -2.38% | 30th below |
| Net Interest Margin | 3.47% | 3.83% | -0.36% | 34th below |
| Efficiency Ratio | 72.10% | 58.97% | +13.13% | 16th bottom |
| PPNR / Avg Assets | 1.23% | — | — | 22nd bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.71% | -0.05% | 58th above |
| Cost of Funds | 2.29% | 2.02% | +0.27% | 30th below |
| Net Interest Spread | 2.91% | — | — | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.55% | 0.87% | -0.32% | 48th below |
| NPA / Total Assets | 0.60% | — | — | 37th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.10% | — | — | 42nd below |
| ACL / NPLs (Coverage) | 198.86% | — | — | 49th below |
| Texas Ratio | 6.89% | 5.48% | +1.41% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.97% | 14.99% | -4.02% | 9th bottom |
| Tier 1 Ratio | 10.97% | 15.02% | -4.05% | 9th bottom |
| Total Capital Ratio | 12.17% | — | — | 12th bottom |
| Leverage Ratio | 8.46% | 11.11% | -2.65% | 5th bottom |
| Equity / Assets | 8.23% | 11.02% | -2.79% | 9th bottom |
| TCE / Tangible Assets | 7.84% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.52% | 86.99% | +14.53% | 13th bottom |
| Core Deposit Ratio | 90.75% | 85.57% | +5.18% | 62nd above |
| Uninsured Deposit Ratio | 50.66% | 33.19% | +17.47% | 9th bottom |
| Wholesale Funding Ratio | 10.11% | — | — | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.73% | — | — | 59th above |
| Loan Growth (Y/Y) | 6.03% | — | — | 50th above |
| Deposit Growth (Y/Y) | 5.54% | — | — | 54th above |
See Jackson County Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jackson County 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 Jackson County 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 Jackson County Bank peer analysis.