This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Sylva, NC
Health score
79.1
Total assets
$31.9M
Bank
Martinsville, VA
Health score
77.1
Total assets
$32.1M
Answer first
Jackson Savings Bank, SSB leads on financial health and capitalization and lending quality and growth; Martinsville First Savings Bank leads on profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Jackson Savings Bank, SSB
Higher TFS health score
Capitalization
Jackson Savings Bank, SSB
Higher comparable capital ratio
Profitability
Martinsville First Savings Bank
Higher return on assets
Lending quality
Jackson Savings Bank, SSB
Lower problem-loan measure
Growth
Jackson Savings Bank, SSB
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Jackson Savings Bank, SSB | Martinsville First Savings Bank |
|---|---|---|
| TFS health score | 79.1/100Leads | 77.1/100 |
| Total assets | $31.9M | $32.1M |
| Total deposits / shares | $24.7M | $24.8M |
| Tier 1 capital ratio | 23.04%Leads | 20.46% |
| Return on assets | 0.22% | 0.41%Leads |
| Return on equity | 0.96% | 1.87% |
Jackson Savings Bank, SSB
1 branches
Martinsville First Savings Bank
1 branches
No shared branch states were found in the current TFS branch dataset.
Jackson Savings Bank, SSB
Unavailable
Martinsville First Savings Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Jackson Savings Bank, SSB
0 in TFS registry
Martinsville First Savings Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Jackson Savings Bank, SSB score | Jackson Savings Bank, SSB ROA | Martinsville First Savings Bank score | Martinsville First Savings Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -0.03% | — | 0.53% |
| 2024-Q4 | — | -0.15% | — | 0.53% |
| 2025-Q1 | — | -0.24% | — | 0.46% |
| 2025-Q2 | — | -0.16% | — | 0.35% |
| 2025-Q3 | — | -0.16% | — | 0.32% |
| 2025-Q4 | — | -0.13% | — | 0.40% |
| 2026-Q1 | 78.3/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.49%Leads | 0.65% |
| Net charge-offs | 0.00% | -0.01%Leads |
| Efficiency ratio | 91.30% | 80.99%Leads |
| Loan-to-deposit ratio | 94.23% | 72.87% |
| Asset growth (YoY) | 3.10%Leads | -1.05% |
| Deposit / share growth (YoY) | 4.03%Leads | -1.82% |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.25% |
| 77.6/100 |
| 0.35% |
| 2026-Q2 | 79.1/100 | 0.22% | 77.1/100 | 0.41% |