Jackson County Bank (Seymour, IN)
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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 Seymour, IN (FDIC certificate 13109), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.11B, up 6.7% from Q2 2025, the 19th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 10.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13109
- Headquarters
- Seymour, IN
- Established
- Not reported
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 10.97%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 083902992
- Holding company
- BANCORP OF SOUTHERN INDIANA
- Asset rank in state
- 19th of 87 in Indiana
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%. The figures come from its call report filed with the FFIEC.
Jackson County Bank ranks as the 19th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.7% to $1.11B, loans rose 1.6% and deposits rose 4.1%. 1-4 family residential loans made up 43.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.1%. Its 14 offices in the FDIC Summary of Deposits are in 8 cities in IN; its Seymour 3 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Jackson County Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 15 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Jackson County Bank's total assets ranged from $924.2M (Q3 2023) to $1.11B (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
$1.11B total assets against $1.04B; $1.02B total liabilities against $955.6M.
$898.4M net loans and leases against $848.4M; $894.8M total deposits against $847.8M.
$106.3M securities against $107.6M; $39.6M cash and balances due against $22.8M.
$14.8M total interest income against $13.7M; $5.7M total interest expense against $5.3M.
$9.0M net interest income against $8.3M.
$3.5M total noninterest income against $3.2M; $9.2M total noninterest expense against $8.4M.
$627K provision for credit losses against $669K.
$2.3M net income against $2.1M.
0.82% return on assets against 0.80%; 3.47% net interest margin against 3.41%.
10.97% CET1 capital ratio against 10.76%; 8.46% tier 1 leverage ratio against 8.47%.
Inside the full Jackson County Bank 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.
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
Its closest position to the top of a national ranking is 96 of 980, for uninsured deposits; its furthest is 1,964 of 2,134, for CET1 ratio.
Metric pages for Jackson County Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q3 2024) to 0.89% (Q4 2024) and its net interest margin ran from 3.04% (Q3 2024) to 3.48% (Q3 2025).
| 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
View all 14 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) | 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IN, rank 32 of 129 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).
- Not on file
- Enforcement actions, 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 $1.11 billion in its FFIEC call report.
Where is Jackson County Bank headquartered?
It is headquartered in Seymour, IN, United States.
Is Jackson County Bank FDIC-insured?
Yes. It 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.
What is Jackson County Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.89% 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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