# BANK OF JAMESTOWN
JAMESTOWN, KY · FDIC certificate 8118 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $263.8M | |
| Deposits | $192.2M | |
| Loans and leases | $157.8M | |
| Total equity | $33.1M | |
| Loans / deposits | 80.89% (p64 of band) | 73.59% |
| Liquid assets / assets | 38.98% (p61 of band) | |
| Uninsured deposits / deposits | 15.98% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.25% (p90 of band) | |
| FHLB advances / assets | 3.58% | |
| Tier 1 leverage | 12.96% (p63 of band) | 11.76% |
| Unrealized securities loss / equity | -3.10% (p65 of band) | -6.57% |
| AOCI / equity | -0.38% (p50 of band) | |
| ROA (annualized) | 1.24% (p54 of band) | 1.17% |
| Net interest margin | 3.59% (p33 of band) | 3.93% |
| Efficiency ratio | 55.32% (p23 of band) | |
| Noncurrent loans | 0.02% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 6155.26% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 39.05% (p72 of band) | |
| Auto loans | $1.3M (0.82% of loans; DQ 2.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 36 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | charge-offs p90 | capital falling |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 1 | wholesale funding >15% |  |
| 2017-06 | 0 |  | wholesale funding >15% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | wholesale funding >15% |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 0 |  | wholesale funding >15%, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | wholesale funding >15% |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | capital falling | wholesale funding >15% |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | wholesale funding >15% |  |
| 2024-12 | 0 |  | wholesale funding >15% |
| 2025-03 | 1 | wholesale funding >15% |  |
| 2025-06 | 0 |  | wholesale funding >15% |
| 2025-09 | 1 | wholesale funding >15% |  |
| 2025-12 | 0 |  | wholesale funding >15% |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-08 [Driver Injured After Vehicle Crashes Through Wall at Bank of Jamestown East 80 Branch - Laker Country 104.9 WJRS](https://news.google.com/rss/articles/CBMiuwFBVV95cUxObUJnS1NleVV5WUVwaHlPSTZDVm9qNDVaNzV1eXl0ZERKQWlMbWR4VVRWTWhRVGNGcUMtMDJURUdFZ0tmOWlSNDhEUkNVR2lHUExxWklxQXp3NHU1dXcyZTgzVGFDR0NLY1NjWThiRlBacWQ0UXJtWE16Ulljcm5NVXZFalRZRy1tbnFDNzRmbnZOMDc0ZlBUV29JZHFJaDJQbkdpWTNCakJuNEpOd3BVSGRPaEFmendrXzRv?oc=5) · Laker Country 104.9 WJRS
- 2026-09-07 [Russell County woman cited after crashing vehicle into bank, police say - WNKY](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdnV3WEtHNlkzVDNnUHEzSEtmS2FnU09JY1VTenZ0N2hwZ3FoaThsb21zSmhESDE3YzctblJ1dGRLSHFrYUlWQkJZenNkLURyWU14em9TUEdVcm9fZnFKUEZfYmE0ZTdLZjBKSmt5ME9GSTJjNjZpSi1QUEIzMEliT1lCd2tRZUhJTWNiRXpJSnhEU2lWVWJZ?oc=5) · WNKY
- 2026-09-07 [Woman Injured in Accident After Crashing into Fairview East 80 Branch of the Bank of Jamestown - ridingthewave.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE1JUG1vYTdmZlFQSDZPdXAtbmNUbmdQWlNSdmV4ckZlLWdMU1QyZ2l3S05kUXVkNVRRZGtETVRRdEVzRFlUOFlyb1JDLXJRLXFqWHJIek53?oc=5) · ridingthewave.com
- 2026-09-07 [Woman Injured after Crashing into Fairview East 80 Branch of Bank of Jamestown - ridingthewave.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPSHNlOXJFejlKWlZTZW5CYUtFWExFUS1Ba01vWURVV2NMMERJcEoxZk1RTnBxNHdaTV9NOHdsZ0ItSXh4bWJYYlhsNDVfOHUwV1o0VVVOeHNqUktnVXFHV0NKcXp1X0k1Y3l3bkRmRFdmQUFjeGxzWS1odzk2ZEF1akNBRUJwd3pRTUtTZzBfRF9Tbnl1X2dYSk03eE1qajJsLUYycHdEUnBGdWczc1Y4VWgxdjc2SDFjNkFaWl93QQ?oc=5) · ridingthewave.com
- 2024-03-01 [HSW in historic Bank of Jamestown, built in 1904 (Photo 99120 on CM Mobile) - Columbia Magazine](https://news.google.com/rss/articles/CBMickFVX3lxTE03WFY5dUp6VUxlaC0yMU1WSzN4WVhQUGhZQld0ZmlIRURTbVZHMzVoRnY3MU92RlJETlFwS0lCUW1YNU1pOTVTdkprMEh2Qmg5S21fdExCUFFEUzZPWF9HOVFtWlFEU0dfaWNoYm4yTTBDQQ?oc=5) · Columbia Magazine
- 2026-09-08 [Russell Co. woman deposits SUV into bank, faces charges - K105](https://news.google.com/rss/articles/CBMijwFBVV95cUxOc3l5Ulo0dGJGLVJ3X1hIcWJrU0tUVXdXaF9qTThrN2RPTklPc0FCOUI3OHhnTnpHaG5uQ2NRYlQyajNhenJfNkU1NjBNVHVDejdHX1A4RkNnTTcyeklNZDU5S2tLUFJIU3FOSEkwSmVpV2dpd01TNmVTM2JJN1FVSGw1NWpJd0Ewd2NzbjgyVQ?oc=5) · K105
- 2026-05-06 [Russell Springs holds ceremonial opening of Bankers Field of Dreams at City Park - Laker Country 104.9 WJRS](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUnBxYnRfNUZPaTVrdWxubUdOeFF5UHROWXFxWUhaUjdlU2hYcU9OREJIT3Y4U1JlV09OWU1kdllTdnB2bV9wVVVxNjNHcXpzVEs1WDN6SF83alozY2RzSzVpUWhEemxJdWlHbElzUWdERnZmT25DWjhocTZXQ2RrV2VvVURNaGFSVjJvX292RmtnSGxkdUVsNGpqRUZYMHgwTTRlNEJnU2NPODZWSndCTFlfVEo?oc=5) · Laker Country 104.9 WJRS
- 2026-09-08 [Susan N. Holder Obituary | Bernard Funeral Home | Russell Springs, KY - Tribute Archive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxON2JkWTdsYW52VDlYcHpRdXZhZzl5QXlFNWxFdVVNN0tya3ZTNGViNWJ5T1ZfSlB5OHVJQ3lpWkVBVS1icW16UmR5YjBmMmhjYTF4dDc5MDloV1ZpQ3ZvSmIxU3FFN2QxZEQ2MmtNWE1TMVRsWjBvcmNsR2l6Q3U1TllpTmFxVE5CMjczZFB3emxySUZ3dXk3cnJnLVU5VUF1cENzOEhCNXpIMm8?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8118 (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/54.json (key "8118", 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