Jackson Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Jackson Savings Bank, SSB is an FDIC-insured savings bank headquartered in Sylva, NC, established in 1955 (FDIC certificate 31266), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $31.9M, up 3.1% from Q2 2025, the 36th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 45.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31266
- Headquarters
- Sylva, NC
- Established
- 1955
- Total assets, Q2 2026
- $31.9M
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 45.31%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253171498
- Latest call report
- Q2 2026, FFIEC 041 · Jackson Savings Bank, SSB call report
- Asset rank in state
- 36th of 38 in North Carolina
Jackson Savings Bank, SSB, based in Sylva, North Carolina, reported $32 million in assets at June 30, 2026, up 3.1% from a year earlier. It keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 3.37% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.49% of loans from 1.21%. Profitability lags: it returns 0.8% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, Jackson Savings Bank, SSB reported a CET1 capital ratio of 45.31%, a return on assets of 0.19%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 1.60%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, Jackson Savings Bank, SSB is the 36th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $31.9M, loans rose 4.5% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 85.3% of total loans, followed by owner-occupied commercial real estate loans at 10.1%. Its one office in the FDIC Summary of Deposits is in Sylva, NC. By the capital ratios in its Q2 2026 call report, Jackson Savings Bank, SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 741 W Main St, Sylva, NC 28779
- County
- Jackson
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1955
- Former names
- Jackson Savings and Loan Association (1988-1992)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $24.7M
- Allowance for credit losses
- $68K
- Net charge-offs (YTD)
- $0
- Average total assets
- $30.9M
- Average total loans
- $22.9M
- Average interest-bearing deposits
- $23.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31266
- Fed RSSD
- 360777
- Website
- www.jacksonsavingsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Jackson Savings Bank, SSB's total assets moved between a low of $28.8M (Q1 2024) and a high of $32.9M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$31.9M total assets against $30.9M; $24.7M total liabilities against $23.8M.
$23.2M net loans and leases against $21.8M; $24.7M total deposits against $23.7M.
$0 securities against $0; $7.9M cash and balances due against $8.4M.
$393K total interest income against $389K; $195K total interest expense against $198K.
$198K net interest income against $191K.
$0 total noninterest income against $0; $183K total noninterest expense against $197K.
No provision recorded in the last 12 quarters.
$15K net income against -$6K.
0.19% return on assets against -0.08%; 2.67% net interest margin against 2.63%.
45.31% CET1 capital ratio against 46.47%; 23.04% tier 1 leverage ratio against 23.43%.
Inside the full Jackson Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.55% (Q4 2024) to 0.24% (Q1 2026) and its net interest margin ran from 2.50% (Q4 2025) to 2.99% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 45.31% | 0.19% | 0.49% | 1.60% | 2.67% |
| Q1 2026 | 46.73% | 0.24% | 0.73% | 2.26% | 2.57% |
| Q4 2025 | 46.44% | -0.01% | 0.96% | 3.07% | 2.50% |
| Q3 2025 | 44.72% | -0.17% | 1.35% | 4.22% | 2.56% |
| Q2 2025 | 46.47% | -0.08% | 1.21% | 3.68% | 2.63% |
| Q1 2025 | 48.24% | -0.25% | 0.98% | 2.85% | 2.69% |
| Q4 2024 | 50.17% | -0.55% | 1.15% | 3.21% | 2.99% |
| Q3 2024 | 51.33% | -0.12% | 1.26% | 3.36% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Jackson Savings Bank, SSB (main office) | Sylva , NC | 28779 | $24.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 76 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Jackson Savings Bank, SSB
What are Jackson Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Jackson Savings Bank, SSB reported total assets of $31.9 million in its FFIEC call report.
Where is Jackson Savings Bank, SSB headquartered?
It is headquartered in Sylva, NC, United States.
When was Jackson Savings Bank, SSB founded?
It was established in 1955, per the FDIC institution directory.
Is Jackson Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #31266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jackson Savings Bank, SSB?
Jackson Savings Bank, SSB's primary federal regulator is the FDIC.
What is Jackson Savings Bank, SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 45.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Jackson Savings Bank, SSB operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jackson Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 1.60% 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 Jackson Savings Bank, SSB previously called?
The charter now named Jackson Savings Bank, SSB has also operated as Jackson Savings and Loan Association (1988-1992), per FDIC structure-change records.
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