BlastPoint's Banking Scorecard
First Jackson Bank, Inc.
Micro
Specialty: Commercial
AL
FDIC cert 23376
Designations: ✓ Community bank
Stevenson, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First Jackson Bank, Inc. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.07% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$449.3M
+4.7% YoY
+2.5% QoQ
|
+$231.8M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$316.7M
+7.3% YoY
+2.8% QoQ
|
+$177.5M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$357.5M
+2.8% YoY
+2.1% QoQ
|
+$173.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.56%
+7.5% YoY
-2.2% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.63%
+5.0% YoY
+2.0% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
42.65%
+2.0% YoY
+1.8% QoQ
|
-25.07% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.03%
+150.2% YoY
-87.8% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
88.57%
+4.3% YoY
+0.8% QoQ
|
+14.05% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
12.40%
+5.7% YoY
-4.0% QoQ
|
-9.99% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.28%
+175.0% YoY
-3.2% QoQ
|
-0.17% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
-6.7% YoY
+30.4% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.65%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Efficiency Ratio
Current: 42.65% · Tier avg: 67.73%
95
95th pctile
Total Loans
Current: $316.7M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $449.3M · Tier avg: $217.5M
91
91th pctile
Total Deposits
Current: $357.5M · Tier avg: $183.7M
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.57% · Tier avg: 74.53%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.40% · Tier avg: 22.39%
Top Weaknesses
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.40% · Tier avg: 22.39%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.57% · Tier avg: 74.53%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
91
91th pctile
Total Deposits
Current: $357.5M · Tier avg: $183.7M
95
95th pctile
Total Assets
Current: $449.3M · Tier avg: $217.5M
95
95th pctile
Total Loans
Current: $316.7M · Tier avg: $139.2M
97
97th pctile
Efficiency Ratio
Current: 42.65% · Tier avg: 67.73%