Jackson Savings Bank, SSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Total risk-based capital ratio fell 1.43 percentage points in Q2 2026 to 45.75%, the biggest move on this page. On CET1 ratio, Jackson Savings Bank, SSB ranks 3rd highest among the 26 banks headquartered in North Carolina, at 45.31% (Q2 2026). Against a median of 19.57% for banks in the < $100M asset tier, Jackson Savings Bank, SSB reported 45.31% on CET1 ratio in Q2 2026, 25.75 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 45.31% |
| Tier 1 risk-based capital ratio | 45.31% |
| Total risk-based capital ratio | 45.75% |
| Tier 1 leverage ratio | 23.04% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.1M |
| Tier 1 capital | $7.1M |
| Total risk-based capital | $7.2M |
| Total equity capital | $7.1M |
| Risk-weighted assets | $15.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.36% |
| Tangible equity to tangible assets | 22.36% |
| Equity capital to average assets | 23.04% |
| Internal capital growth rate | 0.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 50.93% | 50.93% | 51.41% | 21.66% | $14.2M |
| Q4 2023 | 52.14% | 52.14% | 52.64% | 21.83% | $13.8M |
| Q1 2024 | 53.23% | 53.23% | 53.74% | 22.96% | $13.5M |
| Q2 2024 | 53.35% | 53.35% | 53.86% | 25.00% | $13.5M |
| Q3 2024 | 51.33% | 51.33% | 51.81% | 24.62% | $14.0M |
| Q4 2024 | 50.17% | 50.17% | 50.65% | 24.51% | $14.2M |
| Q1 2025 | 48.24% | 48.24% | 48.70% | 24.26% | $14.7M |
| Q2 2025 | 46.47% | 46.47% | 46.92% | 23.43% | $15.3M |
| Q3 2025 | 44.72% | 44.72% | 45.15% | 22.90% | $15.9M |
| Q4 2025 | 46.44% | 46.44% | 46.88% | 22.81% | $15.3M |
| Q1 2026 | 46.73% | 46.73% | 47.18% | 22.85% | $15.2M |
| Q2 2026 | 45.31% | 45.31% | 45.75% | 23.04% | $15.7M |
Jackson Savings Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson Savings Bank, SSB, freeSource: Call Report Schedule RC-R, 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 Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31266) · FFIEC NIC profile (RSSD 360777)