BlastPoint's Banking Scorecard
Jackson Savings Bank, SSB
Micro
Specialty: Mortgage
NC
FDIC cert 31266
Designations: ✓ Community bank ✓ Mutual
Sylva, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Jackson Savings Bank, SSB has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 37.58% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.21% below tier
- - Net Interest Margin 1.22% below tier
- - Efficiency Ratio 37.27% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.5M
+5.2% YoY
-1.5% QoQ
|
-$187.0M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$22.8M
+14.3% YoY
+1.9% QoQ
|
-$116.4M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$23.4M
+7.1% YoY
-1.9% QoQ
|
-$160.3M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-0.13%
+18.8% YoY
+23.1% QoQ
|
-1.21% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.63%
-10.2% YoY
-1.5% QoQ
|
-1.22% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
105.00%
-0.5% YoY
-1.3% QoQ
|
+37.27% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.96%
-16.7% YoY
-28.5% QoQ
|
+0.33% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
97.51%
+6.7% YoY
+3.9% QoQ
|
+22.99% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.72%
-9.5% YoY
-26.0% QoQ
|
+0.27% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
46.44%
-7.4% YoY
+3.8% QoQ
|
+37.58% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
|
-0.56% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
46.44%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (5)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.13%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.63%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
105.00%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Tier 1 Capital Ratio
Current: 46.44% · Tier avg: 8.85%
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.51% · Tier avg: 74.53%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
8
8th pctile
Total Loans
Current: $22.8M · Tier avg: $139.2M
7
7th pctile
Net Interest Margin
Current: 2.63% · Tier avg: 3.85%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 105.00% · Tier avg: 67.73%
3
3th pctile
Total Deposits
Current: $23.4M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $30.5M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
3
3th pctile
Total Assets
Current: $30.5M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $23.4M · Tier avg: $183.7M
4
4th pctile
Efficiency Ratio
Current: 105.00% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.63% · Tier avg: 3.85%
8
8th pctile
Total Loans
Current: $22.8M · Tier avg: $139.2M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.51% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 46.44% · Tier avg: 8.85%