# JD BANK
JENNINGS, LA · FDIC certificate 16546 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.26B | |
| Deposits | $1.12B | |
| Loans and leases | $780.5M | |
| Total equity | $130.5M | |
| Loans / deposits | 68.84% (p15 of band) | 87.10% |
| Liquid assets / assets | 32.38% (p79 of band) | |
| Uninsured deposits / deposits | 25.01% (p30 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.88% (p75 of band) | 10.50% |
| Unrealized securities loss / equity | -24.08% (p14 of band) | -7.75% |
| AOCI / equity | 0.23% (p88 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.26% |
| Net interest margin | 4.28% (p81 of band) | 3.70% |
| Efficiency ratio | 70.56% (p80 of band) | |
| Noncurrent loans | 0.40% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p61 of band) | |
| Reserve coverage of noncurrent | 281.01% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 72.97% (p74 of band) | |
| Auto loans | $10.0M (1.29% of loans; DQ 3.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 261 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | expense ratio p90 |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2021-06 | 1 |  | expense ratio p90, charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 5 | deposits shrinking |  |
| 2022-12 | 6 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2023-03 | 6 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  | uninsured deposits leaving, noncurrent p90, reserve under noncurrent |
| 2023-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 4 |  | assets shrinking |
| 2024-03 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-04 [JD Bank: Longtime Louisiana bank branches out to Baton Rouge - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMiogFBVV95cUxPTm9KSTZoVlV2czZ3QkxkeTc2TGFBY2VmNUZLVHY5T1Z5X2NBRG41cGo1ZEU3Sk9IYWZLeVNkaTV0Z3FUc1h4UnRjaWpxU0hPMmUzRTRQY2QxU3Vmd3VUYl82bTlTUzhqVm5rZ2dtR1BTV3RsYWpKc0RQRVpZc05TMVFObTVUeHFndHRRZVVtSGpScTVfLVBIbDZvaUQyZWdYMnfSAaoBQVVfeXFMT2FPcVloRS1fa3FXMGRMUlRkd0lGbU5LMnFXUmJoaVJOcW5ISnhUeFl3NFdMaG9qRmtlbmx5TDVzdng2a3ROX1BmN1ZFLXR3dHNYN18ya0phUHowc19tbUtvWUJEMFJBeXFsbXV4MFdna3NzcG8ybl9UMEVoQlR3OHNrNE1WSk14SUtVcVo3WkV3LThZdGFCWWhhcEJrdjNFaGdhZmZuMl9uT0E?oc=5) · Baton Rouge Business Report
- 2026-04-07 [JD Bank promotes two leaders in Louisiana - The Daily Advertiser | Lafayette, Louisiana](https://news.google.com/rss/articles/CBMixwFBVV95cUxQcm1aX0hMZzNrRUxoMmM0TnhLQlJaWWNHT1B2VG1DNnB3dWtkaV9mYVZJM0xTbTlBM2FsZ1dxUHpZM3haRExoaU1hYWpQcEJkU1h5aVJIVExQRERrMlBOSFZtV2oxNnBkN1AtbllXNzF2ZkxadnZFODREcXo5ZFNUMHdwMldHemc4a0dEdXRWWFotd1RxRHRjaHoyeFVHTUloQ1dqOUdNeWV5cGx5Q2t0SXgxMW5oaDl1ek5qdEVHR1RQaXVhdTUw?oc=5) · The Daily Advertiser | Lafayette, Louisiana
- 2026-04-12 [Entergy adds executives; new nonprofit CEO named, board additions at sports foundation - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2026-01-27 [JD Bank deepening Louisiana roots with new Jefferson Highway Branch - Baton Rouge Business Report](https://news.google.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?oc=5) · Baton Rouge Business Report
- 2024-05-31 [JD Bank - Biz New Orleans](https://news.google.com/rss/articles/CBMiZEFVX3lxTFB3Uk0yNTB5SHJyUVVGQUlOQWtTZTY2R2VoSUpUWHlwVmNYN1RlcWlCYnBsWEZYb0VLX1VxcVdGc2NCelFuUHNPZTRDc3JSSnJzYmstQ09EV09vX0tFWmRPZHFEMzk?oc=5) · Biz New Orleans
- 2025-10-20 [JD Bank forms First Acadiana Advisory board to strengthen ties across South Louisiana - The Daily Advertiser | Lafayette, Louisiana](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOUmxMR2R0MGpaNHEtVmQ3VF9jX0xjX2Y0SEdsVU15Qno5aGt6SDYwNVo4bThRSW9hbGY2RW5ITHRLSzJuV05DQTRKaDBZR01lZnlLZmdld01WZXhPd0dLUWtmcXBVVWtycWtaV1dzaVRfdlhoMFZGOUJxNW1JSk1WdExDcEFGakNzQVBZZk5sMmxNcG9yLURDUDBlVEI5d0dST1FXVVB6S0hEMzZPMDNqaXlDS09sdXdYbkNrMk9KN1NDb3N2T19JbXUxdWlTMHBMX3hEck1vS2Y?oc=5) · The Daily Advertiser | Lafayette, Louisiana
- 2025-05-04 [New hires at McGlinchey Stafford, JD Bank - The Advocate](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPOGk4MmVNeExwQXo0c1piVVZqYU14NFc1b3hETHF4dDluczQtMS1obzRHbUlrRHZ5YnR6LXhxdnJBaFIxUXg5RTY1T0pIOTVZOWtSTDFfQkVyb3BJWGdCeFlRV2dGMTdweG40VzlEd0xOdGhwRDZWd1M1RzBBaHZTajR1WVNSLXZOVk04SmlEaG9xQjNKVGR5UTBPaXpFQzM1UVN2NnFOUkhvbkt6MWl6cFlmV1k1RElVeVhfT1FmTTJyMWdqcS1mcUVQeU5DOFl4N1k1RnFtQTYzd2pS?oc=5) · The Advocate
- 2022-06-22 [McNeese University to turn damaged JD Bank branch into new Student Health Services Center - KPLC 7 News](https://news.google.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?oc=5) · KPLC 7 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16546 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "16546", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide