# JEFFERSON SECURITY BANK
SHEPHERDSTOWN, WV · FDIC certificate 9997 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $566.1M | |
| Deposits | $522.5M | |
| Loans and leases | $416.4M | |
| Total equity | $39.1M | |
| Loans / deposits | 78.81% (p43 of band) | 82.04% |
| Liquid assets / assets | 22.67% (p42 of band) | |
| Uninsured deposits / deposits | 20.16% (p29 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.39% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -21.08% (p22 of band) | -8.10% |
| AOCI / equity | 0.16% (p86 of band) | |
| ROA (annualized) | 1.01% (p33 of band) | 1.28% |
| Net interest margin | 3.51% (p28 of band) | 3.91% |
| Efficiency ratio | 64.24% (p59 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 11620.00% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 81.71% (p78 of band) | |
| Auto loans | $1.5M (0.35% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 81 | |

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | noncurrent p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | noncurrent p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2020-03 | 3 | noncurrent p90 |  |
| 2020-06 | 3 | capital falling | noncurrent p90 |
| 2020-09 | 2 |  | uninsured deposits leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | reserve under noncurrent | capital falling |
| 2021-12 | 0 |  | reserve under noncurrent |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | construction >100% equity, capital falling |
| 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)

- 2026-08-18 [JSB Financial Inc. Reports Second Quarter 2026 Results - Business Wire](https://news.google.com/rss/articles/CBMisAFBVV95cUxOS3BfLVZKTEF5U0VRQU01ZnV1dDh4LWh5ei1YTjR2ZlFDQzN0OXNiZ1RQVFA0RE9LNXRlZW1Gald6Uk9vVWNqRFo2bXBicUNsVkVTakhXZGc1TjlVMUZLTldlN3Znc3NvRFI2eE1NMjNMVFk5UF9qLWFBWVZ5eVZPNDJ1WFBCQU5icWt4cVA0Q2pOM2VjbEhIdHkxenJURlA2SWlTZ3NuWnRXYVRrUnFiYw?oc=5) · Business Wire
- 2026-08-19 [JSB Financial Inc. Announces Semi-Annual Dividend - Business Wire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOVVJEUDFUVkVlb1B3OGExSDl2dG9MSnhMckhTZ3pUUFdMbHV1bUFpWmpRemRVcy1YNEgzZS1zTTkzSkdpd19kaEhEZlRGWWRJU3BfM3FRQXpaMC1BR1U0TTZJZzJRcVM3dTdvUWJGLVZJWS1ZSkZETFJ5R0pVWDB3d1ZYQWZ3eW9PZXQ0Y21xVEhwTDhIa25zLUJrRVZUUjg5RTdqOWhFZGhuUQ?oc=5) · Business Wire
- 2015-07-24 [Tennant recognizes Jefferson Security Bank as state’s oldest business - shepherdstownchronicle.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQTEdoVVhDSTlmdUVtWDNZY0N4U0dHUV9HbFg4ZGFKendoTWxyUEdReE45QnlUSzlGeDBoTnBiMHZya25sakhYeXVWR3JuSVVzWHJnNDljNW9OeXdLSW0xQWFHWFFPRlVFQnp6aE5SVVBQc01ieVR2cDJobjFudjBBX3JjSTNMWTY0V1VsYTZSWnBnQmtGZ2JQWWU2cVdoNXNlclFab2xaQXJlbC12aHF1MUEwVjlYTy1pNEUxSkxXY3BGRWdJRDZ3MjRGZFg4Y1QxMUE?oc=5) · shepherdstownchronicle.com
- 2016-03-24 [Jefferson Security Bank’s Board of Directors Appoints New President and CEO - PRWeb](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNWC1SSGlLTEVGTkZ4SzdTZmJrUWJaRUZBcW5EcVlpRlpEcHNvd2lhTERueTVtV2x2OUM2U2FUdEVJYktuekFBTGRFeUdzYkRpOFN5Nk5wNm9DQWlSZ1hKMGZZS1MtTldzRng3aGpUaGRHYzRCemJja0JSTlFOekxEOURDMWpScTZqZDhyaEh1U2d0MXkzSDFrdko0SnJvY1NaOEF3TjVnTXg5Qzhvd3gzTVMyOU13cUlLNXNIcW5MVW5sZw?oc=5) · PRWeb
- 2024-08-28 [JSB Financial Appoints Karl Keller to the Board of Directors - citybiz](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaFBqd0tuR3ZoUTVQNnN0czVfdW9OUTBJRDBSdUpobkI4VTUyYnJDNktnU3llN2pvRTJUSTB6RW5ZTmJGM2dGZzV1WC1YSnlVeEoyenI0RzVzOFVTZWRNdzVlTm9RS3BycC1udkRqRjM3Sld2Nk52M3VHZDNOR2NVQkxRQWpQRTFJRmpVNzE0blhBbVhwcFkxN2tReUhvVk9a?oc=5) · citybiz
- 2023-08-01 [Jefferson Security Bank Announces Completion of Holding Company Reorganization - Business Wire](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNaWNxLUhsdlN0dV9COGV1aU9PazBPNnU2X0EyQWhzcEhyejNYaUpPX3ZYNkdleThaQWxjMW9FazdLN0JTQW9lUmVHSFZmWXpEV3BGbVZWNFM3REx0MC1UUVl4VW9iVS1NNU1VaTZISUI4cWVBeFVzVVZHdmhWOEhEWlloTVNnVnZ4LTVGWldMU0lVcWhiZC1IM19QYlZudklJSDZ3Q0JuSUJXTnlBYU16cnhlcTJWQUZISWdSWDZEMmk0NWM4cnV0RjdPX0g2NnpC?oc=5) · Business Wire
- 2023-08-11 [Barron honored for 50 years of service at Jefferson Security Bank - shepherdstownchronicle.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPQU1hZlNWcFpnM0M4QUhYTmhvam5fdVdjd0VWckFJelh6bHJyZEJBVTdCSDU5LTN1UlFxNVVtRlVIUEp6OG1PcjVxT3pXR0hCUzl3SUktVV9MM18xMzlGZ1BVcVNmSGVBSldDY0lFYmo5ZExmck9SZ1FJQ1UtaFR2S2tnTEE0UUQtaDRaaUpXV1V1WTBjdmRaWl9DTUN4bGt2cURGTHVWUWZkRXV3MGZBQkVKZzNScVdZT3kzX2Vn?oc=5) · shepherdstownchronicle.com
- 2021-04-23 [Jefferson Security Bank CEO, Cindy Kitner, Appointed to the FDIC’s Advisory Committee on Community Banking - Business Wire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNTTgwcXlyX2hucFd0dWVkdzFwSkhNZzBrZlE3OS00RmdydGVES3BGYjZodGFvaUYwQ3ppODdOSFREVDJEUFB0bEcwdlFlY1lBd2stcjh2ZDRxRWItRVVFUzhEOTJDMHNPUjBJTUNneU1WVXp5cUtqUG5saUZONEp1YXZTMWUydWR6MjBkTGcwYUFIQVdwTG1rUGl0OWlUSTlHNGVQbzl1TGtZOUNFRVp1M2hLMnVCTDhwWFk1OFpaNWhQQmZhSmFNSGo0aU1hZF9XbEN4VU50enE4VVVJTGJQeDFjZFZqb0U0UlZrTm9tN3hiZw?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9997 (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/13.json (key "9997", 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