Jefferson Security Bank
Total assets
$566.1M
▲ +2.6% YoY
Deposits
$522.5M
▲ +3.9% YoY
Loans
$411.8M
▲ +5.3% YoY
Offices
6
JSB FINANCIAL INC
ROA (annualized)
1.01%
peers 1.28%
ROE (annualized)
15.26%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +5.3% | +5.3% | -0.1 pts |
| ROA | 1.01% | 1.28% | -0.3 pts |
| ROE | 15.3% | 12.4% | +2.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
Profile
- Established
- 1869
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- JSB FINANCIAL INC
- Specialization
- Commercial Lending Specialization
- Address
- 105 E Washington St, Shepherdstown, WV, 25443
- County
- Jefferson
- Metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- Offices
- 6
- FDIC cert #
- 9997
- RSSD ID
- 786733
- 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 | $566.1M | $522.5M | $411.8M | $39.1M | $2.9M | 1.01% | 3.51% | 0.01% |
| Q1 2026 | $577.6M | $536.0M | $406.6M | $37.3M | $1.2M | 0.83% | 3.30% | 0.05% |
| Q4 2025 | $562.2M | $519.1M | $401.8M | $36.5M | $4.3M | 0.79% | 3.00% | 0.05% |
| Q3 2025 | $554.7M | $513.5M | $394.4M | $34.3M | $3.0M | 0.72% | 2.92% | 0.05% |
| Q2 2025 | $551.6M | $503.1M | $391.2M | $32.7M | $1.8M | 0.66% | 2.85% | 0.02% |
| Q1 2025 | $544.4M | $503.2M | $383.2M | $31.1M | $757K | 0.56% | 2.75% | 0.01% |
| Q4 2024 | $536.9M | $494.9M | $378.2M | $29.7M | $4.3M | 0.80% | 2.85% | 0.01% |
| Q3 2024 | $577.3M | $515.0M | $376.7M | $29.1M | $3.5M | 0.88% | 2.88% | 0.01% |
Loan mix (Q2 2026): real estate $403.2M · commercial $8.1M · consumer $4.5M · securities $100.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Jefferson Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.28% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 12.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.89% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 61.2% | 60th | |
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 | Jefferson Security 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 | Jefferson Security 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 | Jefferson Security 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 | Jefferson Security 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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