JEFFERSON SECURITY BANK

SHEPHERDSTOWN, WV | Medium | Est. May 19, 1869, midnight | FDIC #9997 | RSSD #786733 | FDIC
Latest Report: 2025-12-31

JEFFERSON SECURITY BANK is amn medium FDIC-insured commercial bank headquartered in SHEPHERDSTOWN, WV, established in May 19, 1869, midnight. As of 2025-12-31, the bank reported total assets of $562M and total deposits of $519M. Profitability stands at 0.98% ROA and 15.41% ROE, with a net interest margin of 3.36%. The bank's CET1 capital ratio is 12.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.70%. FDIC Certificate #9997.

Assets

$562M

Deposits

$519M

Loans

$406M

Equity

$37M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 15.41%
Net Interest Margin (NIM) 3.36%
Yield on Assets 5.29%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.70%
NPA Ratio 0.05%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 12.66%
Tier 1 Capital 12.66%
Total Capital Ratio 13.91%
Leverage Ratio 8.12%
Loan-to-Deposit 78.25%

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