Bank of Jackson
Jackson, Tennessee · FDIC Cert #34457
Bank of Jackson is an FDIC-insured bank (Certificate #34457) with $216M in total assets and $182M in total deposits as of the Q2 2024 Call Report. Headquartered in Jackson, Tennessee, the bank maintains a Tier 1 capital ratio of 15.35% (Well-Capitalized) and a nonperforming loan ratio of 0.59%. BankHealthData assigns a composite Health Grade of A (89/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Jackson (FDIC cert 34457) is a community bank — $216M in total assets, $182M in deposits, serving the Jackson, Tennessee area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.35% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.59% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 66.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.21% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Jackson carries a composite BankHealth grade of A (89/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Jackson
- Total Assets
- $216M
- Total Deposits
- $182M
- Tier 1 Capital Ratio
- 15.35%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.59%
- Liquidity Ratio
- 66.34%
- Return on Assets
- 0.21%
- Headquarters
- Jackson, Tennessee
- FDIC Certificate
- #34457
- Health Grade
- A (89/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Jackson holds a Tier 1 capital ratio of 15.35%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Jackson has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Jackson shows strong financial health indicators. With $216M in assets and a Health Score of 89/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Jackson Compares
Bank of Jackson’s Health Score of 89 is 19 points above the Tennessee state average of 70 across 95 FDIC-insured banks. Its 15.35% Tier 1 capital ratio is 1.3 points above the US banking industry average near 14%. The 0.59% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.21% is below the national ROA benchmark of ~1.1%. Among 1536 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bank of Jackson is 19 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Jackson has a Bank Health Score of A (89/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.35%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Jackson's Tier 1 capital ratio of 15.35% and nonperforming loan ratio of 0.59% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Jackson is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34457). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Jackson holds $216M in total assets and $182M in total deposits. It is headquartered in Jackson, Tennessee (FDIC Certificate #34457).
Bank of Jackson has a Tier 1 capital ratio of 15.35%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.59%, and the return on assets is 0.21%.
Yes. Bank of Jackson is FDIC-insured (Certificate #34457). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Jackson's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.