Headquartered in Sylva, North Carolina, Jackson Savings Bank, SSB is a si with $31.9M in total assets and $24.7M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1955.
Based on its Q2 2026 filing, Jackson Savings Bank, SSB scores 76/100, which we describe as strong. That is higher than 56% of 546 banks with under $100 million in assets. Among 38 banks headquartered in North Carolina, it ranks 14th. Its strongest component is capital cushion (100/100; 23.04%), and its lowest is earnings (29/100; 0.22%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (67 → 76), mostly because the loan quality component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 69 |
| Q4 2024 | 68 |
| Q1 2025 | 69 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 69 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 25.00% |
| Q3 2024 | 24.62% |
| Q4 2024 | 24.51% |
| Q1 2025 | 24.26% |
| Q2 2025 | 23.43% |
| Q3 2025 | 22.90% |
| Q4 2025 | 22.81% |
| Q1 2026 | 22.85% |
| Q2 2026 | 23.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.15% |
| Q1 2025 | 0.98% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.35% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | -0.03% |
| Q4 2024 | -0.15% |
| Q1 2025 | -0.24% |
| Q2 2025 | -0.16% |
| Q3 2025 | -0.16% |
| Q4 2025 | -0.13% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $31.9M | 23.04% | 0.49% | 0.22% | 94.2% |
| Q1 2026 | 75 | $31.2M | 22.85% | 0.73% | 0.25% | 92.7% |
| Q4 2025 | 69 | $30.5M | 22.81% | 0.96% | -0.13% | 97.5% |
| Q3 2025 | 65 | $31.0M | 22.90% | 1.35% | -0.16% | 93.9% |
| Q2 2025 | 67 | $30.9M | 23.43% | 1.21% | -0.16% | 91.8% |
| Q1 2025 | 69 | $29.9M | 24.26% | 0.98% | -0.24% | 91.7% |
| Q4 2024 | 68 | $29.0M | 24.51% | 1.15% | -0.15% | 91.4% |
| Q3 2024 | 69 | $29.2M | 24.62% | 1.26% | -0.03% | 87.2% |
| Q2 2024 | 77 | $29.0M | 25.00% | 0.41% | 0.02% | 83.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Black Mountain Savings Bank, SSBBank Black Mountain, NC | 71 out of 100, Strong | $43.0M | 12.0% | 0.00% | vs |
| Hertford Savings Bank, SSBBank Hertford, NC | 65 out of 100, Moderate | $20.7M | 10.6% | 0.22% | vs |
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Tarboro Savings Bank, SSBBank Tarboro, NC | 61 out of 100, Moderate | $54.1M | 11.3% | 0.66% | vs |
| First Savings and Loan AssociationBank Mebane, NC | 81 out of 100, Strong | $55.9M | 23.9% | 0.23% | vs |
| Riverside Savings Bank, SSBBank Roanoke Rapids, NC | 84 out of 100, Strong | $94.5M | 18.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Jackson Savings Bank, SSB?
Yes. Jackson Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #31266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.3% of deposits ($1.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 23.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 45.75% (benchmark: 10%).
1 location
Branches
Jackson Savings Bank, SSB lists 1 office in 1 city. Most locations:
- Sylva, NC (1)
Identity & history
Profile
- Legal name
- Jackson Savings Bank, SSB
- Former names
- Jackson County Savings and Loan Association; Jackson Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 31266
- RSSD ID
- 360777
- Primary regulator
- FDIC
- Established
- January 1, 1955
- Headquarters
- 741 W Main St, Sylva, NC 28779
- Website
- www.jacksonsavingsbank.com
- Employees
- 5
Quick answers
Jackson Savings Bank, SSB: common questions
Is Jackson Savings Bank, SSB FDIC insured?
Yes. Jackson Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #31266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Jackson Savings Bank, SSB's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Jackson Savings Bank, SSB ever failed?
There is no failure record for FDIC certificate #31266 in the FDIC failed bank list.
How many branches does Jackson Savings Bank, SSB have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sylva
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wnc Community Credit UnionCredit union Waynesville, NC | 83 out of 100, Strong | $96.0M | 17.0% | 0.28% | vs |
| Telco Community Credit UnionCredit union Candler, NC | 76 out of 100, Strong | $429.3M | 12.4% | 1.23% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| Champion Credit UnionCredit union Canton, NC | 74 out of 100, Strong | $551.9M | 12.2% | 0.24% | vs |
| Nantahala Bank & Trust CompanyBank Franklin, NC | 73 out of 100, Strong | $288.8M | 9.4% | 0.32% | vs |
| Mountain Credit UnionCredit union Waynesville, NC | 70 out of 100, Strong | $372.4M | 11.2% | 0.67% | vs |