Bank of Jamestown
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Data as of · sourced from FFIEC call reports. How we update
Bank of Jamestown is an FDIC-insured commercial bank headquartered in Jamestown, KY, established in 1899 (FDIC certificate 8118), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $263.8M, up 2.0% from Q2 2025, the 66th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8118
- Headquarters
- Jamestown, KY
- Established
- 1899
- Total assets, Q2 2026
- $263.8M
- Assets vs Q2 2025
- +2.0%
- Tier 1 leverage ratio, Q2 2026
- 12.96%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083905216
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Jamestown call report
- Holding company
- JAMESTOWN BANCORP INC
- Asset rank in state
- 66th of 120 in Kentucky
Bank of Jamestown, based in Jamestown, Kentucky, reported $264 million in assets at June 30, 2026, up 2.0% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also shrank its loan book 1.6% over the year, lower than about three-quarters of banks its size (median 5.5%).
Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Bank of Jamestown reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.13%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Bank of Jamestown is the 66th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $263.8M, loans rose 0.3% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.6% of total loans, followed by 1-4 family residential loans at 23.5%. The FDIC Summary of Deposits lists 3 offices for it, in Jamestown, KY and Russell Springs, KY; its Jamestown 2 offices book 76% of its branch deposits. On its Q2 2026 call report, Bank of Jamestown meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Monument Sq, Jamestown, KY 42629
- County
- Russell
- 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
- —
- Call Report form
- FFIEC 051
- Established
- July 17, 1899
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $192.2M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $53K
- Average total assets
- $260.9M
- Average total loans
- $156.0M
- Average interest-bearing deposits
- $146.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8118
- Fed RSSD
- 567240
- Website
- www.bankofjamestown.com →
- Parent Holding Company
- JAMESTOWN BANCORP INC (RSSD 1399804)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Jamestown reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Jamestown's total assets moved between a low of $235.2M (Q3 2023) and a high of $267.2M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$263.8M total assets against $258.5M; $230.7M total liabilities against $226.2M.
$155.5M net loans and leases against $158.2M; $192.2M total deposits against $190.7M.
$80.9M securities against $77.4M; $21.9M cash and balances due against $17.3M.
$3.4M total interest income against $3.3M; $1.1M total interest expense against $1.1M.
$2.3M net interest income against $2.2M.
$180K total noninterest income against $190K; $1.4M total noninterest expense against $1.3M.
$45K provision for credit losses against $45K.
$843K net income against $866K.
1.29% return on assets against 1.36%; 3.64% net interest margin against 3.58%.
12.96% tier 1 leverage ratio against 13.03%.
Inside the full Bank of Jamestown terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
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.
Bank of Jamestown rankings
Its closest position to the top of a national ranking is 1,147 of 3,606, for efficiency ratio; its furthest is 3,205 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q4 2024) to 1.52% (Q4 2025) and its net interest margin ran from 3.26% (Q1 2025) to 3.70% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.96% | 1.29% | 0.02% | 0.13% | 3.64% |
| Q1 2026 | 13.40% | 1.21% | 0.05% | 0.19% | 3.50% |
| Q4 2025 | 13.19% | 1.52% | 0.04% | 0.20% | 3.70% |
| Q3 2025 | 12.96% | 1.39% | 0.04% | 0.21% | 3.67% |
| Q2 2025 | 13.03% | 1.36% | 0.01% | 0.05% | 3.58% |
| Q1 2025 | 12.83% | 1.15% | 0.07% | 0.33% | 3.26% |
| Q4 2024 | 12.77% | 1.06% | 0.01% | 0.05% | 3.30% |
| Q3 2024 | 12.70% | 1.19% | 0.58% | 2.74% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Jamestown (main office) | Jamestown , KY | 42629 | $125.5M |
| Russell Springs Branch | Russell Springs , KY | 42642 | $47.0M |
| Industrial Park Branch | Jamestown , KY | 42629 | $19.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 97 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Jamestown
What are Bank of Jamestown's total assets?
As of the Q2 2026 filing, Bank of Jamestown reported total assets of $263.8 million in its FFIEC call report.
Where is Bank of Jamestown headquartered?
It is headquartered in Jamestown, KY, United States.
When was Bank of Jamestown founded?
It was established in 1899, per the FDIC institution directory.
Is Bank of Jamestown FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Jamestown?
Bank of Jamestown's primary federal regulator is the FDIC.
How many branches does Bank of Jamestown operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Jamestown's Texas Ratio?
Its Texas Ratio is 0.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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