BlastPoint's Banking Scorecard
First Jackson Bank, Inc.
Stevenson, AL
7 branches across AL · TN
First Jackson Bank, Inc. demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 37.7% in tier
- + Efficiency Ratio 25.91% below tier average
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$439.6M
+1.6% YoY
-2.1% QoQ
|
+$53.5M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$314.8M
+6.9% YoY
-0.6% QoQ
|
+$59.1M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$357.1M
+1.0% YoY
-0.1% QoQ
|
+$29.2M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.94%
+26.8% YoY
+24.7% QoQ
|
+0.67% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Top 13.9% in tier |
| Net Interest Margin ? |
3.94%
+14.5% YoY
+8.5% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
39.37%
-5.1% YoY
-7.7% QoQ
|
-25.91% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
Top 3.5% in tier |
| Delinquency Rate ? |
0.06%
-87.6% YoY
+78.3% QoQ
|
-0.83% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
88.16%
+5.8% YoY
-0.5% QoQ
|
+11.52% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
12.46%
+4.3% YoY
+0.4% QoQ
|
-9.56% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.30%
-31.5% YoY
+5.0% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
14.35%
+7.3% YoY
+3.2% QoQ
|
-1.48% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.03%
-23.1% YoY
-80.6% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.1% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.