# BANK OF JACKSON
JACKSON, TN · FDIC certificate 34457 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $224.1M | |
| Deposits | $198.5M | |
| Loans and leases | $51.8M | |
| Total equity | $19.7M | |
| Loans / deposits | 25.79% (p6 of band) | 73.21% |
| Liquid assets / assets | 73.99% (p95 of band) | |
| Uninsured deposits / deposits | 36.11% (p89 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.97% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.53% (p35 of band) | 11.56% |
| Unrealized securities loss / equity | -18.29% (p24 of band) | -6.10% |
| AOCI / equity | 9.75% (p77 of band) | |
| ROA (annualized) | 0.19% (p12 of band) | 1.04% |
| Net interest margin | 2.25% (p4 of band) | 3.83% |
| Efficiency ratio | 91.27% (p89 of band) | |
| Noncurrent loans | 0.20% (p42 of band) | 0.34% |
| Net charge-offs (annualized) | 0.03% (p67 of band) | |
| Reserve coverage of noncurrent | 611.43% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 58.30% (p82 of band) | |
| Auto loans | $231,000 (0.45% of loans; DQ 1.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 4 | noncurrent p90, charge-offs p90 |  |
| 2012-09 | 2 |  | noncurrent p90, charge-offs p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | noncurrent p90 | capital falling |
| 2013-06 | 2 | losing money | noncurrent p90 |
| 2013-09 | 1 |  | losing money |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 | capital falling | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | NIM <2.5% |  |
| 2020-06 | 0 |  | NIM <2.5% |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | NIM <2.5% |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 4 | capital falling | construction >100% equity |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity, capital falling |
| 2023-06 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 | construction >100% equity | uninsured deposits leaving |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | construction >100% equity |
| 2024-09 | 1 |  | securities losses >30% of equity, deposits shrinking, assets shrinking |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | assets shrinking | securities losses >30% of equity |
| 2025-12 | 1 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-21 [Security Bank and Trust Company celebrates groundbreaking ceremony for new Jackson location; announces team - Talk-N West TN](https://news.google.com/rss/articles/CBMiywFBVV95cUxQblg3elRNZmJnSVIycXVkVEt5by1WUkU4VHNxbUJuX0VXYVVRY3BqRDBRRHkwYzNsdS1GeGpkU2RuVzhjVXFNMGMxRlU3X04tVTdHVUE3Qm1nVWw0OXdYVkVualRiNUJ1Y2Z3cWUwc0NYVzVaZjBhcVNqanA3SHQ4VVduTHlnVkR1d09oVDhDQmZ6VVNZeUlnd0w1c2tFbklvNW5xX0tKeVJpekMtUTVqb3BWeWlnMzc2MUIxTGlRMmFySVNoazEwVTJoWQ?oc=5) · Talk-N West TN
- 2016-10-08 ['Down home' bank celebrates 20 years - jacksonsun.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPTFNHWHBWUVZTZm5VaVQyanBKejh2cXFhWUxiaWt5Y0JUcDRUMTNLTjJBdE9ueDk5YW42aXZ4TVpEbGJNLVdDdWhKa2JKcUdaSzVrZXZlSVdDazBqNXhoS3NVYkppTi1SOTB1NTRwNEhpRmEzYzdSTktyYWhuanNjSXFpQ2JoNFZxcVpzUkVtMk9pcmpvRXBkSzBtTzNWRjVWWVg1Zkp3?oc=5) · jacksonsun.com
- 2015-03-23 [Police release names of victim, suspect after shooting at Jackson, TN bank - Action News 5](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWURYMjI3TzdiMlh5STRkZ29HUE1FNUJmd3g5dUc5eVBKLWVRc2dkcDByU245V25sWFNlX2dHbEJrSXJEOGo0cjJXWGVTaHRfTFpNQXBHTDJvQkt4X3NmVGFrMzBsSHowbDlSX1dhT040Tmx6eVZFN19ZT3REUVJ6TVZJV2M5Z1o1OUp2NVNoQ2hTRG5RZmE5UUtpONIBrgFBVV95cUxPakk2WFhybEsybkV2RTM3LWtpV2VHTEpBNGcxNlNRbVd4eUc2MGJNRGExTEZjVWlkWFV6bWJYelpyTWt5LWx4bEt5TU9kaFlhOWtleGRwWFhyMWN0UTJpcEt0ZzV2N0tBYXJkblRnVDJobXFkaXNTTG5scW9DV0pOZ2dhT0EyS19xZThEV1Ztak90MTR3SXJVUnk1a29CU0RFXzd1c1ZZR3NMczFfaHc?oc=5) · Action News 5
- 2025-04-26 [Centennial Bank acquiring The Bank of Jackson - Talk-N West TN](https://news.google.com/rss/articles/CBMiekFVX3lxTE5wdlRSOUtqc2ZsQnhrVlNXS2dIVDZmNkp2WmhwRlB4QkpuVnF1WlRxNGxoN3RKN1V5U00waUJfSkVUU1diOUNmOUlPVEtwUExQUC00cklPRjd3OHJCVzREUjR3dEQyWTRORUpjMjhaeUVYVlVSM2wwak13?oc=5) · Talk-N West TN
- 2021-07-01 [VIDEO: Harbert Alexander Jr. discusses the Bank of Jackson - Herald Times Reporter](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNaTNpTVdGdFVQOHVzSkZnRXYyRzhpRWt4TmlndGloMHhDeWtJSWJsOVVValVPdGV4b1hVRW5BRWUwYzh0RmtwTElXMkR4eUwwZnRUUnlicEFJRjRHMTQxN0V4TzI5UF93YmtEemdmamRPNVpZWVVMS3FrTG9EdTdZZnlBZ1FSMGd2OUN2NFZvaWJjcDI4RVhLOFh6aTgwcUxwaVBpY3JRTlZwTy1WUUo5ZWFBaHV2RC10OTV0RWFWb2FKa1hxYm5saQ?oc=5) · Herald Times Reporter
- 2022-04-24 [Harbert Alexander Obituary - Jackson, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNUWFQYkppcGxvblZTOWd3YmZmWlFSTTl6WkUzeE15cV9JSGdNOWlmOVhONHh6X1NiTW93WUN0NHFDQVFCcVIyMkc4amQxX3hVWmFGRWs4XzZ2eGlUNkhseUZzSENqcHlPYXVPNmhiakU2cEpKMjJJVDBmNVYzdENxWHplc25ua2s?oc=5) · Dignity Memorial
- 2016-11-18 [First South Bank purchased by SImmons Bank - jacksonsun.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQNWxSVWhCSzNLNWtqZU1QbUpqQ3Q5WnFDNGxnZ09HaW9uXzRNdHJMTlJ4SXhSQVFlQ3hFU2c3Z0dhWlh2eXVoaC02X0UwQUJDTW8zM3NrcmdKcWJ1MkR5UW9kN25XaXZKU0FBaXhVelZzWHFWWi12WkFmbzYxd2RKaHg3TnpraFlHNlhLdmJ2WDZZSWRpeS1nTWdmSG1XNUpuY2g2UUt2cUs3LUtF?oc=5) · jacksonsun.com
- 2025-02-19 [Bank of Jackson, West University Parkway Branch, Reopens 10 Days After Shooting - Talk-N West TN](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUnNMRnFpcFZPS01qVmY3WFFRYXFiWUlxdTJBYVpjTXNkc3hFUm9tYWVnYm5rczRtZVZTNE12UUhocFdnYWJKVVZsODAwZDZBSWNneTUwandMWDdfV254anZHSGlDT00wN1ZTUHBOX1ZaY2YtRDZPZnNLelNKWWlQZi1nejBWV1I5NXVaMkNwNVRCQjU5RmtUelA2UW56akVwNEtyRA?oc=5) · Talk-N West TN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34457 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "34457", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide