Jackson Savings Bank, SSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.79 percentage points in Q2 2026, from 9.43% to 17.22%. It was the largest change from Q1 2026 among the key lines here. Jackson Savings Bank, SSB ranks 8th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 94.50% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Jackson Savings Bank, SSB sits 26.58 points higher, at 94.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.3M |
| Net loans and leases | $23.2M |
| Loans held for sale | $0 |
| Loans to total assets | 73.15% |
| Loan-to-deposit ratio | 94.50% |
| Net loans to equity capital | 3.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.02% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.22% |
| Construction concentration (Tier 1 capital + allowance) | 17.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.84% |
| Interest income on loans | $334K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $18.6M | $25.6M | 12.75% | 0.00% | 0.45% |
| Q4 2023 | $18.2M | $25.5M | 12.55% | 0.00% | 0.33% |
| Q1 2024 | $18.4M | $21.6M | 14.82% | 0.00% | 0.29% |
| Q2 2024 | $18.3M | $21.8M | 14.55% | 0.00% | 0.25% |
| Q3 2024 | $19.2M | $22.0M | 13.99% | 0.00% | 0.63% |
| Q4 2024 | $20.0M | $21.8M | 13.76% | 0.00% | 0.15% |
| Q1 2025 | $20.8M | $22.7M | 12.76% | 0.00% | 0.13% |
| Q2 2025 | $21.8M | $23.7M | 11.84% | 0.00% | 0.14% |
| Q3 2025 | $22.4M | $23.8M | 11.55% | 0.00% | 0.12% |
| Q4 2025 | $22.9M | $23.4M | 10.55% | 0.00% | 0.07% |
| Q1 2026 | $22.3M | $24.0M | 10.82% | 0.00% | 0.05% |
| Q2 2026 | $23.3M | $24.7M | 10.02% | 0.00% | 0.03% |
Jackson Savings Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson Savings Bank, SSB, freeSource: Call Report Schedule RC-C, 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)