Jackson County Bank
Total assets
$1.11B
▲ +6.7% YoY
Deposits
$894.8M
▲ +5.5% YoY
Loans
$898.4M
▲ +5.9% YoY
Offices
15
BANCORP OF SOUTHERN INDIANA
ROA (annualized)
0.78%
peers 1.26%
ROE (annualized)
9.37%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Jackson County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.3 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.5 pts |
| Loan growth (YoY) | +5.9% | +5.9% | -0.0 pts |
| ROA | 0.78% | 1.26% | -0.5 pts |
| ROE | 9.4% | 12.2% | -2.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
Profile
- Established
- 1900
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BANCORP OF SOUTHERN INDIANA
- Specialization
- Commercial Lending Specialization
- Address
- 125 S Chestnut St, Seymour, IN, 47274
- County
- Jackson
- Metro area
- Seymour, IN
- Offices
- 15
- FDIC cert #
- 13109
- RSSD ID
- 884442
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $894.8M | $898.4M | $91.4M | $4.2M | 0.78% | 3.51% | 0.60% |
| Q1 2026 | $1.08B | $859.3M | $884.7M | $90.2M | $2.0M | 0.73% | 3.49% | 0.52% |
| Q4 2025 | $1.07B | $842.6M | $869.9M | $89.1M | $8.8M | 0.85% | 3.47% | 0.50% |
| Q3 2025 | $1.04B | $815.7M | $855.5M | $87.3M | $6.5M | 0.85% | 3.47% | 0.32% |
| Q2 2025 | $1.04B | $847.8M | $848.4M | $84.2M | $4.2M | 0.83% | 3.42% | 0.39% |
| Q1 2025 | $1.04B | $846.4M | $820.6M | $84.7M | $2.1M | 0.84% | 3.34% | 0.25% |
| Q4 2024 | $982.5M | $787.0M | $800.8M | $82.1M | $7.4M | 0.74% | 3.10% | 0.30% |
| Q3 2024 | $1.01B | $781.1M | $797.8M | $83.5M | $5.1M | 0.68% | 3.04% | 0.27% |
Loan mix (Q2 2026): real estate $831.3M · commercial $59.9M · consumer $6.9M · securities $106.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Jackson County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.2% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.70% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 59.0% | 83th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Jackson County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Jackson County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Jackson County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Jackson County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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