Jackson County Bank (Seymour, IN): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Jackson County Bank operates with a thinner capital cushion than most banks of its size. Based in Seymour, Indiana, it had $1.1 billion in assets at June 30, 2026, up 6.7% from a year earlier. It holds common equity equal to 10.97% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds about half of its deposits (51%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
Delinquency has appeared in its $155 million non-owner-occupied commercial real estate book: 6.20% of those loans are past due or on nonaccrual, against almost none a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Jackson County Bank reported a CET1 capital ratio of 10.97%, a return on assets of 0.82%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 6.89%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 125 S Chestnut St, Seymour, IN 47274
- County
- Jackson
- Metro Area
- Seymour, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Offices
- 15 domestic
- Employees (FTE)
- 186
- Domestic deposits
- $894.8M
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $1.11B
- Average total loans
- $897.5M
- Average interest-bearing deposits
- $726.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13109
- Fed RSSD
- 884442
- Website
- jcbank.com →
- Parent Holding Company
- BANCORP OF SOUTHERN INDIANA (RSSD 1098590)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Jackson County Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Jackson County Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Jackson County Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Jackson County Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 0.82% | 0.55% | 6.89% | 3.47% |
| Q1 2026 | 11.11% | 0.73% | 0.62% | 5.87% | 3.43% |
| Q4 2025 | 10.90% | 0.83% | 0.61% | 5.78% | 3.41% |
| Q3 2025 | 11.07% | 0.89% | 0.39% | 3.70% | 3.48% |
| Q2 2025 | 10.76% | 0.80% | 0.47% | 4.57% | 3.41% |
| Q1 2025 | 11.16% | 0.82% | 0.31% | 2.98% | 3.27% |
| Q4 2024 | 10.77% | 0.89% | 0.37% | 3.49% | 3.20% |
| Q3 2024 | 10.50% | 0.72% | 0.34% | 3.16% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jackson County Bank (main office) | Seymour , IN | 47274 | $354.1M |
| 2871 South State Road 135 Branch | Greenwood , IN | 46143 | $97.5M |
| 1035 North Lincoln Street Branch | Greensburg , IN | 47240 | $73.6M |
| Central Avenue Branch | Columbus , IN | 47201 | $60.3M |
| Jackson Park Branch | Seymour , IN | 47274 | $59.9M |
| Washington Street Branch | Columbus , IN | 47201 | $56.3M |
| Bedford Banking Center Branch | Bedford , IN | 47421 | $47.2M |
| West Columbus Banking Branch | Columbus , IN | 47201 | $41.4M |
| Brownstown Branch | Brownstown , IN | 47220 | $40.0M |
| North Vernon Banking Center Branch | North Vernon , IN | 47265 | $21.6M |
| Jackson County Bank Branch | Bloomington , IN | 47401 | $20.5M |
| Tipton Street Branch | Seymour , IN | 47274 | $13.3M |
| Bloomington Banking Center | Bloomington , IN | 47404 | $9.2M |
| Bloomington Branch | Bloomington , IN | 47401 | $1K |
Regulatory record
What the public regulatory sources show for Jackson County Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in IN, rank 32 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 900 applications, 685 loans originated, $186.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $178K approved, $178K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Jackson County Bank
What are Jackson County Bank's total assets?
As of the Q2 2026 filing, Jackson County Bank reported total assets of $1.11 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Jackson County Bank headquartered?
Jackson County Bank is headquartered in Seymour, IN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
Is Jackson County Bank FDIC-insured?
Yes. Jackson County Bank is an FDIC-insured commercial bank (FDIC Certificate #13109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jackson County Bank?
Jackson County Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Jackson County Bank's CET1 capital ratio?
Jackson County Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Jackson County Bank operate?
Jackson County Bank operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jackson County Bank's Texas Ratio?
Jackson County Bank's Texas Ratio is 6.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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