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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Stevenson, AL · FDIC certificate #23376
FIRST JACKSON BANK INC is an FDIC-insured institution based in Stevenson, AL (FDIC certificate #23376). In its Q3 2026 Call Report it reported total assets of $459M, total deposits of $363M and net loans of $324M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST JACKSON BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $459M in Q3 2026 and were lowest at $440M in Q1 2026.
Total deposits were highest at $363M in Q3 2026 and lowest at $357M in Q1 2026.
Over the whole period total assets rose 4.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $459M | $363M | $324M | 1.82% | 13.19% | 3.92% |
| Q2 2026 | $444M | $359M | $304M | 1.93% | 13.94% | 3.93% |
| Q1 2026 | $440M | $357M | $315M | 1.94% | 14.27% | 3.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.4M | $9.5M | +$919K | +9.7% |
| Federal funds sold | $17.5M | $13.0M | +$4.4M | +34.1% |
| Securities purchased under agreements to resell | $14.0M | $7.0M | +$7.0M | +100.0% |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $85.5M | $82.2M | +$3.3M | +4.0% |
| Equity securities with readily determinable fair values, not held for trading | $305K | $314K | -$9K | -2.9% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $304.5M | $314.8M | -$10.4M | -3.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.6M | $5.6M | -$61K | -1.1% |
| Other real estate owned | $400K | $1.1M | -$710K | -64.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.2M | $6.0M | +$160K | +2.7% |
| Total assets | $444.3M | $439.6M | +$4.6M | +1.1% |
| Liabilities | ||||
| Total deposits | $359.2M | $357.2M | +$2.1M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $18.0M | $18.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.8M | $3.6M | +$249K | +7.0% |
| Total liabilities | $381.0M | $378.7M | +$2.3M | +0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $112K | $112K | $0K | 0.0% |
| Surplus | $1.5M | $1.5M | $0K | 0.0% |
| Retained earnings | $64.4M | $62.3M | +$2.1M | +3.4% |
| Accumulated other comprehensive income | -$2.8M | -$3.0M | +$170K | +5.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $63.2M | $60.9M | +$2.3M | +3.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $653K | $1.3M | -$652K | -50.0% |
| Adjusted nonperforming assets | $653K | $1.3M | -$652K | -50.0% |
| Tangible equity plus allowance | $66.6M | $64.2M | +$2.4M | +3.7% |
| Texas ratio (gross) | 0.98% | 2.03% | -1.05 pts | See points |
| Texas ratio (adjusted) | 0.98% | 2.03% | -1.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.98% | 2.03% | -1.05 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.77% | 14.35% | +0.42 pts | See points |
| Construction and land loans to total capital | 54.49% | 60.79% | -6.31 pts | See points |
| Commercial real estate to total capital | 185.50% | 205.89% | -20.39 pts | See points |
| Dividend payout, year to date | 17.72% | 35.16% | -17.44 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.85% | -6.41% | +0.56 pts | See points |
| Liquidity | ||||
| Core deposits | $248.9M | $246.3M | +$2.6M | +1.1% |
| Non-core funding | $128.4M | $128.9M | -$526K | -0.4% |
| Loans to core deposits | 123.68% | 129.17% | -5.49 pts | See points |
| Loans to deposits | 85.68% | 89.06% | -3.38 pts | See points |
| Brokered deposits share of deposits | 4.74% | 4.77% | -0.03 pts | See points |
| Pledged securities share of securities | 54.57% | 55.91% | -1.34 pts | See points |
| Loans pledged, share of loans | 10.12% | 16.06% | -5.94 pts | See points |
| Volatile liabilities | $128.4M | $128.9M | -$526K | -0.4% |
| Earnings | ||||
| Earnings before provision, year to date | $5.3M | $2.6M | +$2.7M | +104.4% |
| Earnings before provision, single quarter | $2.7M | $2.6M | +$115K | +4.4% |
| Provision for credit losses, year to date | $177K | $90K | +$87K | +96.7% |
| Yield and cost | ||||
| Yield on loans and leases | 7.56% | 7.43% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.40% | 4.11% | -0.71 pts | See points |
| Total interest income to average assets | 6.10% | 6.09% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 1.36% | 1.36% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.90% | 0.87% | +0.04 pts | See points |
| Cost of time deposits | 3.89% | 3.89% | +0.00 pts | See points |
| Total interest expense to average assets | 2.38% | 2.36% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $459M | $363M | $324M | 1.82% | 13.19% | 3.92% |
| 2026-06-30 | $444M | $359M | $304M | 1.93% | 13.94% | 3.93% |
| 2026-03-31 | $440M | $357M | $315M | 1.94% | 14.27% | 3.94% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $317.1M | 0.22% | 63 | Continuing · -0.00 pp |
| TN | $31.8M | 0.01% | 161 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.