Jackson Savings Bank, SSB: how it compares with its peers
Against 271 U.S. banks with half to twice its assets, Jackson Savings Bank, SSB's strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $5.6M peer median). Its weakest relative measure is net interest margin (2.62% vs. 3.86%).
| Measure | Jackson Savings Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.22% | 0.93% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.62% | 3.86% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 91.30% | 73.98% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $5.6M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.23% | 60.91% | Context |
What it means for lending operations
Its efficiency ratio of 91.30% is above the 73.98% 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
- Metropolitan Bank and Trust Company New York, NY · $32M
- Maxwell State Bank Maxwell, IA · $32M
- Martinsville First Savings Bank Martinsville, VA · $32M
- GS&L Municipal Bank Gouverneur, NY · $32M
- First Progressive Bank Brewton, AL · $32M
- Lake Country Community Bank Morristown, MN · $32M
Questions about Jackson Savings Bank, SSB
How big is Jackson Savings Bank, SSB?
Jackson Savings Bank, SSB, established in 1955, is headquartered in Sylva, NC. It reported $32M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Jackson Savings Bank, SSB's return on assets?
0.22% annualized in Q2 2026, against a 0.93% median for 271 U.S. banks with half to twice its assets, ahead of 21% of them.
What is Jackson Savings Bank, SSB's efficiency ratio?
91.30% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 73.98%, and lower is better.
Is Jackson Savings Bank, SSB growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits grew 4.0%.
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 U.S. 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 North Carolina bank ranked.