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First Jackson Bank, Inc.

$100M-$1B Specialty: Commercial AL FDIC cert 23376

Stevenson, AL

7 branches across AL · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +3.0% year over year ($359.2M on the books).
  • Delinquency rate 0.08%.
  • Return on assets 1.93%.
  • Efficiency ratio 38.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

First Jackson Bank, Inc. has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 0.6% in tier
  • + Profitability Leader: Top 38.0% in tier
  • + Efficiency Ratio 26.14% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 3.0% in tier
  • - Credit Quality Pressure: Bottom 13.1% in tier
  • - Net Interest Margin 0.05% below tier average
Get updates when First Jackson Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $444.3M
+2.6% YoY +1.1% QoQ
+$57.7M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $304.5M
+2.1% YoY -3.3% QoQ
+$46.1M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $359.2M
+3.0% YoY +0.6% QoQ
+$32.5M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 1.93%
+22.0% YoY -0.8% QoQ
+0.60% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 3.93%
+12.5% YoY -0.1% QoQ
-0.05% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 38.34%
-6.9% YoY -2.6% QoQ
-26.14% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Top 2.8% in tier
Delinquency Rate ? 0.08%
+785.0% YoY +34.2% QoQ
-0.84% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 84.75%
-0.9% YoY -3.9% QoQ
+6.80% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 12.26%
-0.0% YoY -1.6% QoQ
-9.77% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
15%
Nonperforming Asset Ratio ? 0.15%
+48.7% YoY -50.5% QoQ
-0.52% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 14.77%
+8.5% YoY +3.0% QoQ
-1.13% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.07%
-17.7% YoY +118.4% QoQ
-0.49% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Bottom 11.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 12.3%
0.0pp YoY
-0.2pp QoQ
 -9.9pp 22.1% 24.0% 22.2% 15%
Brokered Deposits 4.7%
-0.1pp YoY
0.0pp QoQ
 -3.1pp 7.9% 5.5% 8.5% 50%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 10.0%
-0.4pp YoY
+0.7pp QoQ
 -1.6pp 11.6% 16.9% 12.5% 52%
CRE 56.6%
+1.8pp YoY
-1.3pp QoQ
 +17.0pp 39.5% 43.5% 41.4% 81%
1-4 Family 25.7%
0.0pp YoY
+0.1pp QoQ
 -6.9pp 32.6% 30.6% 31.3% 42%
Consumer 3.6%
-0.2pp YoY
+0.3pp QoQ
 -0.5pp 4.1% 5.7% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 14.8%
+1.2pp YoY
+0.4pp QoQ
 +2.6pp 12.2% 13.2% 12.6% 86%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 47
0 YoY
0 QoQ
 -12 58 304 482 49%
Assets per Employee ($) $9.5M
+2.6% YoY
+1.1% QoQ
 +$1.9M $7.5M $6.9M $8.8M 83%
Branch Count 7
0 YoY
0 QoQ
 +2 4 20 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 39%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.2% 1.0% 8%
Allowance Coverage 13.19x
-87.9% YoY
-20.8% QoQ
 -10.96x 24.15x 7.50x 20.23x 85%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 7%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 13.9%
+1.2pp YoY
-0.3pp QoQ
 +1.7pp 12.2% 10.0% 11.6% 62%
Cost of Funds (YTD) 2.5%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.7% 1.7% 90%
Net Income ($, YTD) $4.3M
+25.6% YoY
— QoQ
 +$1.7M $2.6M $17.2M $40.4M 82%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#5 of 659 • Top 0.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#252 of 661 • Top 38.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.93%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#29 of 936 • Bottom 3.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#166 of 1256 • Bottom 13.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

75
Efficiency Ratio
profitability
Value: 38.34%
Peer Median: 64.48%
#75 of 2643 Top 2.8% in $100M-$1B
403
Return on Assets
profitability
Value: 1.93%
Peer Median: 1.32%
#403 of 2643 Top 15.2% in $100M-$1B
639
Delinquency Rate
credit_quality
Value: 0.08%
Peer Median: 0.92%
#639 of 2633 Top 24.2% in $100M-$1B

Top Weaknesses (2 metrics)

2351
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2351 of 2643 Bottom 11.1% in $100M-$1B
2243
Non-Interest-Bearing Deposit Share
funding
Value: 12.26%
Peer Median: 22.03%
#2243 of 2643 Bottom 15.2% in $100M-$1B
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