Jackson Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jackson Savings Bank, SSB of Sylva, NC against its peer group of 506 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 | 0.19% | 3.13% | -2.94% | 18th bottom |
| ROAE | 0.84% | 10.31% | -9.47% | 16th bottom |
| Net Interest Margin | 2.67% | 3.94% | -1.27% | 9th bottom |
| Efficiency Ratio | 92.42% | 76.30% | +16.12% | 17th bottom |
| PPNR / Avg Assets | 0.19% | 1.40% | -1.21% | 15th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.30% | 5.35% | -0.05% | 53rd above |
| Cost of Funds | 3.37% | 1.70% | +1.67% | 5th bottom |
| Net Interest Spread | 2.09% | 3.32% | -1.23% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.29% | 1.49% | -1.20% | 1st bottom |
| Texas Ratio | 1.60% | 8.27% | -6.67% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 45.31% | 62.20% | -16.89% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 45.31% | 62.20% | -16.89% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 45.75% | 63.17% | -17.42% | 77th top |
| Leverage Ratio | 23.04% | 17.64% | +5.40% | 84th top |
| Equity / Assets | 22.36% | 16.44% | +5.92% | 83rd top |
| TCE / Tangible Assets | 22.36% | 16.19% | +6.17% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.50% | 72.82% | +21.68% | 14th bottom |
| Core Deposit Ratio | 76.46% | 88.29% | -11.83% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.10% | 4.26% | -1.16% | 53rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.72% | 6.75% | -0.03% | 67th above |
| Deposit Growth (Y/Y) | 4.03% | 3.72% | +0.31% | 62nd above |
See Jackson Savings Bank, SSB's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jackson Savings Bank, SSB, 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 Savings Bank, SSB profile, how to read a UBPR, or how this data updates.