| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $444.3M | $359.2M | $304.5M | $63.2M | $4.3M | 1.93% | 3.94% | 0.15% |
| Q1 2026 | $439.6M | $357.1M | $314.8M | $60.9M | $2.2M | 1.94% | 3.94% | 0.30% |
| Q4 2025 | $449.3M | $357.5M | $316.7M | $60.0M | $6.8M | 1.56% | 3.63% | 0.28% |
| Q3 2025 | $438.1M | $350.3M | $307.9M | $58.2M | $5.2M | 1.59% | 3.56% | 0.29% |
| Q2 2025 | $433.1M | $348.9M | $298.2M | $55.4M | $3.4M | 1.58% | 3.50% | 0.10% |
| Q1 2025 | $432.6M | $353.5M | $294.5M | $53.3M | $1.6M | 1.53% | 3.44% | 0.43% |
| Q4 2024 | $429.1M | $347.8M | $295.3M | $51.7M | $6.1M | 1.45% | 3.46% | 0.10% |
| Q3 2024 | $419.3M | $338.2M | $294.7M | $51.6M | $4.9M | 1.57% | 3.48% | 0.45% |
Loan mix (Q2 2026): real estate $260.2M · commercial $30.3M · consumer $10.9M · securities $85.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Jackson Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.3% | 62.9% | 2th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Jackson Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Jackson Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Jackson Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Jackson Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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