Jackson County Bank: how it compares with its peers
Against 22 IN banks with half to twice its assets, Jackson County Bank's strongest measure in Q2 2026 is net interest margin (3.51% vs. a 3.85% peer median). Its weakest relative measure is return on assets (0.78% vs. 1.10%).
| Measure | Jackson County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.10% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.51% | 3.85% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.59% | 64.45% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.7M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.40% | 83.78% | Context |
What it means for lending operations
Its efficiency ratio of 72.59% is above the 64.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Bank of Berne Berne, IN · $1.09B
- Community First Bank of Indiana Kokomo, IN · $980M
- First Harrison Bank Corydon, IN · $1.29B
- Greenfield Banking Company Greenfield, IN · $930M
- State Bank Brownsburg, IN · $916M
Questions about Jackson County Bank
How big is Jackson County Bank?
Jackson County Bank, established in 1900, is headquartered in Seymour, IN. It reported $1.11B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Jackson County Bank's return on assets?
0.78% annualized in Q2 2026, against a 1.10% median for 22 IN banks with half to twice its assets, ahead of 18% of them.
What is Jackson County Bank's efficiency ratio?
72.59% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.
Is Jackson County Bank growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits grew 5.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.