Mechanics&Farmers Bank vs Jackson Savings Bank SSB
Side-by-side bank health comparison using FDIC financial data
Verdict
Mechanics&Farmers Bank has a stronger Bank Health Score of 94/100 (A) compared to Jackson Savings Bank SSB at 90/100 (A), a difference of 4 points. Mechanics&Farmers Bank holds a Tier 1 capital ratio of 24.56% and an NPL ratio of 0.40%.
| Metric | Mechanics&Farmers Bank | Jackson Savings Bank SSB |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 94/100 (A)* | 90/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 24.6% | 53.4%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.4%* | 0.4% |
| Liquidity Ratio Cash and liquid assets vs obligations | 34.4% | 35.4%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.0%* | 0.0% |
| Total Assets | $451M | $29M |
| Total Deposits | $384M | $22M |
| Location | Durham, North Carolina | Sylva, North Carolina |
Mechanics&Farmers Bank has a stronger Bank Health Score of 94/100 (A) compared to Jackson Savings Bank SSB at 90/100 (A), a difference of 4 points. Mechanics&Farmers Bank holds a Tier 1 capital ratio of 24.56% and an NPL ratio of 0.40%.