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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #360777 2025-Q4 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 0.30% of loans.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.9% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 97.5%, cash 22.9% of assets.

Cash / Assets
22.91%
Loans / Deposits
97.51%
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 46.44%, CET1 46.44%, leverage 22.81%.

Tier 1 RBC
46.44%
CET1
46.44%
Leverage
22.81%
No watch items at this period.

Asset Quality

StableQoQ -3
71
Sub-score

Asset quality is stable: Adjusted NPL 0.96%, Texas Ratio 3.1%, NCO YTD 0.00%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.00%
30-89 PD
3.81%
Band 0.3% / 3.0%
90+ PD
0.96%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
0
Sub-score

Reserves are weak: ALLL 0.30% of loans, coverage 30.9%, true coverage 30.9%.

ALLL / Loans
0.30%
Coverage
30.9%
True Loss Coverage
30.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.9% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.30% 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