Jackson County Bank (McKee, KY)
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Data as of · sourced from FFIEC call reports. How we update
Jackson County Bank is an FDIC-insured commercial bank headquartered in McKee, KY, established in 1904 (FDIC certificate 291), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $175.9M, up 1.6% from Q2 2025, the 86th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 28.83% 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
- 291
- Headquarters
- McKee, KY
- Established
- 1904
- Total assets, Q2 2026
- $175.9M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 28.83%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042105484
- Asset rank in state
- 86th of 120 in Kentucky
Problem loans are rising at Jackson County Bank. It reported $176 million in assets at June 30, 2026, up 1.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.68% of loans from 0.38% a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 28.83% of its assets with Tier 1 capital, 2.6 times the median of 10.99% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 0.7% and deposits rose 2.7%. Profitability lags: it returns 6.7% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Jackson County Bank reported a return on assets of 1.91%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
Jackson County Bank ranks as the 86th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $175.9M, loans fell 0.8% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.1% of total loans, ahead of farmland and other real estate loans at 32.4%. The FDIC Summary of Deposits lists 3 offices for it, in Mc Kee, KY and Annville, KY; its Mc Kee 2 offices book 75% of its branch deposits. On its Q2 2026 call report, Jackson County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 123 Main St N, McKee, KY 40447
- County
- Jackson
- 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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 5, 1904
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $113.6M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $174.0M
- Average total loans
- $74.3M
- Average interest-bearing deposits
- $71.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 291
- Fed RSSD
- 1016718
- Website
- www.jacksoncobank.com →
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, Jackson County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Jackson County Bank's total assets ran between $162.3M (Q3 2023) and $177.5M (Q1 2025), 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
$175.9M total assets against $173.1M; $126.0M total liabilities against $125.7M.
$71.9M net loans and leases against $72.4M; $113.6M total deposits against $110.6M.
$81.3M securities against $80.2M; $20.1M cash and balances due against $17.9M.
$2.2M total interest income against $2.2M; $274K total interest expense against $263K.
$1.9M net interest income against $1.9M.
$214K total noninterest income against $213K; $1.0M total noninterest expense against $1.1M.
$15K provision for credit losses against $18K.
$831K net income against $844K.
1.91% return on assets against 1.91%; 4.50% net interest margin against 4.46%.
28.83% tier 1 leverage ratio against 26.89%.
Inside the full Jackson County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJackson County Bank rankings
Its closest position to the top of a national ranking is 599 of 3,611, for ROA; its furthest is 3,127 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.78% (Q4 2024) to 1.93% (Q3 2025) and its net interest margin ran from 4.27% (Q1 2025) to 4.53% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.83% | 1.91% | 0.68% | 0.99% | 4.50% |
| Q1 2026 | 28.29% | 1.82% | 0.66% | 0.98% | 4.48% |
| Q4 2025 | 27.13% | 1.93% | 0.54% | 0.81% | 4.53% |
| Q3 2025 | 27.39% | 1.93% | 0.48% | 0.73% | 4.48% |
| Q2 2025 | 26.89% | 1.91% | 0.38% | 0.59% | 4.46% |
| Q1 2025 | 26.11% | 1.84% | 0.35% | 0.53% | 4.27% |
| Q4 2024 | 26.57% | 1.78% | 0.40% | 0.63% | 4.37% |
| Q3 2024 | 27.30% | 1.83% | 0.42% | 0.66% | 4.35% |
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 |
|---|---|---|---|
| Jackson County Bank (main office) | Mc Kee , KY | 40447 | $76.2M |
| The Russell Hays Branch | Annville , KY | 40402 | $27.9M |
| Sandgap Branch | Mc Kee , KY | 40447 | $9.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 120 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Jackson County Bank
What are Jackson County Bank's total assets?
As of the Q2 2026 filing, Jackson County Bank reported total assets of $175.9 million in its FFIEC call report.
Where is Jackson County Bank headquartered?
It is headquartered in McKee, KY, United States.
When was Jackson County Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Jackson County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #291). 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.
How many branches does Jackson County Bank 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 Jackson County Bank's Texas Ratio?
Its Texas Ratio is 0.99% 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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