# JACKSON COUNTY BANK
MC KEE, KY · FDIC certificate 291 · asset band <$300M · 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 | $175.9M | |
| Deposits | $113.6M | |
| Loans and leases | $73.9M | |
| Total equity | $49.9M | |
| Loans / deposits | 63.28% (p35 of band) | 73.59% |
| Liquid assets / assets | 57.65% (p86 of band) | |
| Uninsured deposits / deposits | 21.21% (p55 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.79% (p78 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.83% (p94 of band) | 11.76% |
| Unrealized securities loss / equity | -0.70% (p80 of band) | -6.57% |
| AOCI / equity | -1.02% (p27 of band) | |
| ROA (annualized) | 1.87% (p82 of band) | 1.17% |
| Net interest margin | 4.59% (p79 of band) | 3.93% |
| Efficiency ratio | 50.01% (p13 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | 394.84% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 3.82% (p27 of band) | |
| Auto loans | $5.9M (7.97% of loans; DQ 1.09%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 38 | |

## 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 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 | assets shrinking |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 3 | uninsured deposits leaving |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 1 |  | uninsured deposits leaving, assets shrinking |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-01 [Jackson County officials, residents start GoFundMe to help with flood damages - WKYT](https://news.google.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?oc=5) · WKYT
- 2026-07-02 [Relief fund aiming to help Jackson County flood victims working to rebuild - LEX 18 News](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNaXZmZndkMkdyQnFtYVg3NWIyWUhYaG1ZWGFXTTBwT3liaG1EaVo0LXNldHhUT3FJSUdjMWNpak9OVGxiRDA4MVo4YzVUazJrNllOTWtwMHROLWo0NHF5am5jcVllLUp1dnNpQl9GVkN1T3BUaVVxbHNMNEY1bzh2ZzJaT1VUR3RRYXhsNjJnWTUzYnY3QnQ0Vk91dWs2NjJhazdhcmJrbmJXSFV5MWRJOVViXzRLRmVSaDlvM1JiRnpSWjZkZG1aa3IzWERoRmh2R1lR?oc=5) · LEX 18 News
- 2025-12-27 [From tragedy to action: Jackson County community supports fire victims - FOX 56 News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNHpaV2VWVnNwVi14Qjc2cEd2WFUzYWVfRjVkUGc5TFNQUENnYWNBN2NELVpfQTVlcnpuWDFoWTFueGVKVThzZy1LVTRNX0pnZE55d3JPUUw4Z05iTUtNM1ZRc2RvTUg1R3J5SWxaemttb2lsV3hjWi1SUHloUXBHUTRxaGZJeWZCS0tjamxQWWlKdXN1bmQ0aXNOdEZ4bzZISTB4cFR1XzExQdIBrwFBVV95cUxQbG9rbkZlUDEtTWhFZUVmZzFaVEx6MFhab0lnNWdkZlhrX1h2NnIzUTBidEQyTVVYU1ZKRnh1Y3BPSHdHT0tGQ2tMcmhtM2xvS3FaY3JhQjRwTUZ5RmNPY3BRTGFXbndDODN3Z2Q1elFIcDByT0JycFhFbkktYUJmTTdiYVJQWlpsbmJfWnAySlFxT2xKS1NtVDd5NGNrTk1FX2RhRk9DRUpNa24yLTl3?oc=5) · FOX 56 News
- 2014-06-09 [Second Arrest Made In Jackson County Bank Robbery - WTVQ](https://news.google.com/rss/articles/CBMie0FVX3lxTE9CdkVRTjhaenAyYnRZZVJEWTBCbDRhc1JUVGZhVy1kTEluZWtITVVnaDc3VkoweU5EMWlZbzE3Z2RoSHlIVHJsTkpMQmV2anhjVjBzNUZXVU9OcTJtYm1qZHdPeDZ2R3RLdWZMbS1CX1BJZzhKSFZxOXhlWQ?oc=5) · WTVQ
- 2026-04-13 [Court records - Seymour Tribune](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1KRTAwczdYNnZCTmZEd016YnhmNWhERGgzVjcwNzJqTHNibWlhRGJzWVExU2NBa0p6dl9lUzZWYlBwUVhCZTh0U1NLOWlXWFBHWjM4cGxkY1p2STdMOHc?oc=5) · Seymour Tribune
- 2020-06-16 [’COVID has not gone away’: Cases in Clay, Jackson Counties linked to local churches - WYMT](https://news.google.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?oc=5) · WYMT
- 2019-02-05 [This Kentucky county treasurer stole $161,000. She faces prison after guilty plea. - Lexington Herald Leader](https://news.google.com/rss/articles/CBMidEFVX3lxTE1SN2h3OVA2VGROSV90WU1HZ2tqTjBieHZucGl5bVgxbVpab21IUDdyM1hobVJCLVBBSlItQWwxU3pTbmk2NTNzSldUMFpfTExBVndBWVJjWERmLXdPbkZxal9JZmtUQnNoUjJvTGlURzVKZV9X0gF0QVVfeXFMT0xFZEY1MFJqQ3FqR3NyamZyTTNpUllXV1NFN3lHSVZweWh0RUIwVXZlY01FMnN1SXJuNHQyQ2dNb3VqN1lZMDhXYS1HbVY3TWRFamRmUEtxQkJIQzBzU2tLaEVrTnpjaV9PNFkyNkR2SGtEZXE?oc=5) · Lexington Herald Leader
- 2025-12-26 [Jackson Co. community rallies to help family after deadly house fire - WKYT](https://news.google.com/rss/articles/CBMingFBVV95cUxNOWpLNWptVVVTWXZ1QU5fR0dtZ3RWcDVrbDBlUFY2UDhhXzJqYmxpTDlQN3Q1ZjEzYTlSNjE0dmFYWGlZS3p1YW16VEVhTzFmY0E1NW9sU0htOFZjR2tjY2RVNHYzWXd3Umw0aG9uRERWWnAxLUFkZjNIMGxrelo2TVpJXzZTam1XYVFFSWpBQnZLVE5hVV80RGswSnZTUdIBsgFBVV95cUxQejYxeVpjWjlfczJ2djFGUWJ0eThNb1NaaEh5aWVjV0xfWVZlMXBYeU91ZVdlVFp4TWxxdWViT2tiX2NpanZnTVNTZGJ0MUtoZU9BSDlxYnl5RlZBUzhoRXNCUmRyNUNQdEM3TE13REF2UVFCNEItS3FfZGFocndieWhKMUVkMGhqVE1fdkV4ckQ3WUZ5cUIxQ21GenNveEVZRWUxb0p1dkhyWm9jWVZTc1ZR?oc=5) · WKYT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=291 (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/35.json (key "291", 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