Jackson County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 30.12 percentage points in Q2 2026, from 168.75% to 198.86%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Jackson County Bank is 63rd of 87 on return on assets, 0.82% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Jackson County Bank sits 0.46 points lower, at 0.82% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 12.17% |
| Tier 1 leverage ratio | 8.46% |
| Equity capital to assets | 8.23% |
| Tangible equity to tangible assets | 7.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.60% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.89% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 198.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 9.96% |
| Net interest margin | 3.47% |
| Efficiency ratio | 72.10% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.52% |
| Core deposits to total deposits | 90.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.63% |
| Securities to assets | 9.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.46% | 10.47% | 11.36% | 8.77% | 0.63% |
| Q4 2023 | 10.51% | 10.52% | 11.43% | 8.63% | 0.75% |
| Q1 2024 | 10.48% | 10.49% | 11.42% | 8.50% | 0.62% |
| Q2 2024 | 10.31% | 10.32% | 11.27% | 8.27% | 0.67% |
| Q3 2024 | 10.50% | 10.51% | 11.46% | 8.48% | 0.72% |
| Q4 2024 | 10.77% | 10.77% | 11.75% | 8.58% | 0.89% |
| Q1 2025 | 11.16% | 11.17% | 12.18% | 8.72% | 0.82% |
| Q2 2025 | 10.76% | 10.77% | 11.83% | 8.47% | 0.80% |
| Q3 2025 | 11.07% | 11.07% | 12.12% | 8.66% | 0.89% |
| Q4 2025 | 10.90% | 10.91% | 11.96% | 8.52% | 0.83% |
| Q1 2026 | 11.11% | 11.11% | 12.26% | 8.59% | 0.73% |
| Q2 2026 | 10.97% | 10.97% | 12.17% | 8.46% | 0.82% |
Jackson County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Jackson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13109) · FFIEC NIC profile (RSSD 884442)