Jackson Savings Bank, SSB: 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 2.15 percentage points higher than in Q1 2026, at 76.46%. Jackson Savings Bank, SSB ranks 34th of 38 North Carolina banks on return on assets, in the lower half at 0.19% (Q2 2026). Jackson Savings Bank, SSB's return on assets of 0.19% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 45.31% |
| Tier 1 risk-based capital ratio | 45.31% |
| Total risk-based capital ratio | 45.75% |
| Tier 1 leverage ratio | 23.04% |
| Equity capital to assets | 22.36% |
| Tangible equity to tangible assets | 22.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.60% |
| Allowance for credit losses to loans | 0.29% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.19% |
| Return on equity | 0.84% |
| Net interest margin | 2.67% |
| Efficiency ratio | 92.42% |
| Yield on earning assets | 5.30% |
| Cost of funds | 3.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.50% |
| Core deposits to total deposits | 76.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.40% |
| Securities to assets | — |
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 | 50.93% | 50.93% | 51.41% | 21.66% | 0.47% |
| Q4 2023 | 52.14% | 52.14% | 52.64% | 21.83% | -0.39% |
| Q1 2024 | 53.23% | 53.23% | 53.74% | 22.96% | 0.18% |
| Q2 2024 | 53.35% | 53.35% | 53.86% | 25.00% | -0.15% |
| Q3 2024 | 51.33% | 51.33% | 51.81% | 24.62% | -0.12% |
| Q4 2024 | 50.17% | 50.17% | 50.65% | 24.51% | -0.55% |
| Q1 2025 | 48.24% | 48.24% | 48.70% | 24.26% | -0.25% |
| Q2 2025 | 46.47% | 46.47% | 46.92% | 23.43% | -0.08% |
| Q3 2025 | 44.72% | 44.72% | 45.15% | 22.90% | -0.17% |
| Q4 2025 | 46.44% | 46.44% | 46.88% | 22.81% | -0.01% |
| Q1 2026 | 46.73% | 46.73% | 47.18% | 22.85% | 0.24% |
| Q2 2026 | 45.31% | 45.31% | 45.75% | 23.04% | 0.19% |
Jackson Savings Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson Savings Bank, SSB, 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 Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31266) · FFIEC NIC profile (RSSD 360777)