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Jackson Savings Bank Ssb

IDRSSD: 360777
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q2QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #360777 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.31% of loans.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.8% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 25.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ 0
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 91.8%, cash 27.3% of assets.

Cash / Assets
27.27%
Loans / Deposits
91.83%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 46.47%, CET1 46.47%, leverage 23.43%.

Tier 1 RBC
46.47%
CET1
46.47%
Leverage
23.43%
No watch items at this period.

Asset Quality

StableQoQ -4
70
Sub-score

Asset quality is stable: Adjusted NPL 1.21%, Texas Ratio 3.7%, NCO YTD 0.00%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.00%
30-89 PD
4.81%
Band 0.3% / 3.0%
90+ PD
0.88%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
0
Sub-score

Reserves are weak: ALLL 0.31% of loans, coverage 25.8%, true coverage 25.8%.

ALLL / Loans
0.31%
Coverage
25.8%
True Loss Coverage
25.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.8% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.31% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 17:33:39 UTC