JACKSON COUNTY BANK

MC KEE, KY | Small | Est. Oct. 5, 1904, midnight | FDIC #291 | RSSD #1016718 | FDIC
Latest Report: 2025-12-31

JACKSON COUNTY BANK is asn small FDIC-insured commercial bank headquartered in MC KEE, KY, established in Oct. 5, 1904, midnight. As of 2025-12-31, the bank reported total assets of $175M and total deposits of $114M. Profitability stands at 1.98% ROA and 7.08% ROE, with a net interest margin of 4.94%. The bank's CET1 capital ratio is 27.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 0.54%. FDIC Certificate #291. The institution operates 1 domestic branch.

Assets

$175M

Deposits

$114M

Loans

$75M

Equity

$49M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 7.08%
Net Interest Margin (NIM) 4.94%
Yield on Assets 5.60%
Cost of Funds 0.95%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.54%
NPA Ratio 0.16%
ACL / Loans 2.66%

Capital & Liquidity

CET1 Ratio 27.85%
Tier 1 Capital 27.85%
Total Capital Ratio 29.24%
Leverage Ratio 27.13%
Loan-to-Deposit 65.62%

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