JD Bank
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Data as of · sourced from FFIEC call reports. How we update
JD Bank is an FDIC-insured commercial bank headquartered in Jennings, LA, established in 1947 (FDIC certificate 16546), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.26B, up 4.1% from Q2 2025, the 14th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 16.78% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16546
- Headquarters
- Jennings, LA
- Established
- 1947
- Total assets, Q2 2026
- $1.26B
- Assets vs Q2 2025
- +4.1%
- CET1 ratio, Q2 2026
- 16.78%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 065204579
- Latest call report
- Q2 2026, FFIEC 041 · JD Bank call report
- Holding company
- JD BANCSHARES, INC.
- Asset rank in state
- 14th of 102 in Louisiana
JD Bank, based in Jennings, Louisiana, reported $1.3 billion in assets at June 30, 2026, up 4.1% from a year earlier. It pays an average of 1.22% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it spends about 70 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Deposits are coming in faster than loans: over the year loans rose 1.7% and deposits rose 7.1%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.40% of loans from 0.72%.
As of June 30, 2026, JD Bank reported a CET1 capital ratio of 16.78%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 4.19%. The figures come from its call report filed with the FFIEC.
JD Bank ranks as the 14th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 1.1% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.7%. The FDIC Summary of Deposits lists 22 offices for it, in 15 cities in LA; its Lake Charles 6 offices book 29% of its branch deposits. By the capital ratios in its Q2 2026 call report, JD Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 507 N Main St, Jennings, LA 70546
- County
- Jefferson Davis
- Metro Area
- Lake Charles, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 12, 1947
- Former names
- Jeff Davis Bank & Trust Company (1974-2013)
- Domestic offices
- 25 FDIC institution directory, current count
- Employees (FTE)
- 261
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $281K
- Average total assets
- $1.28B
- Average total loans
- $772.6M
- Average interest-bearing deposits
- $896.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 12, 1947
- FDIC Cert
- 16546
- Fed RSSD
- 980531
- SEC CIK
- 866643 → filed by JD BANCSHARES, INC.
- Website
- www.jdbank.com →
- Parent Holding Company
- JD BANCSHARES, INC. (RSSD 1833997)
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
JD Bank's total assets moved between a low of $1.16B (Q1 2024) and a high of $1.26B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.26B total assets against $1.21B; $1.13B total liabilities against $1.10B.
$771.6M net loans and leases against $757.8M; $1.12B total deposits against $1.05B.
$336.4M securities against $342.3M; $71.3M cash and balances due against $32.5M.
$15.8M total interest income against $15.0M; $3.4M total interest expense against $3.2M.
$12.5M net interest income against $11.8M.
$2.8M total noninterest income against $2.6M; $10.8M total noninterest expense against $10.2M.
$17K provision for credit losses against $310K.
$3.7M net income against $3.2M.
1.15% return on assets against 1.06%; 4.25% net interest margin against 4.18%.
16.78% CET1 capital ratio against 15.92%; 11.88% tier 1 leverage ratio against 11.64%.
Inside the full JD 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.
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.
JD Bank rankings
Its closest position to the top of a national ranking is 854 of 4,196, for total assets; its furthest is 2,744 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.04% (Q1 2026) to 1.30% (Q3 2025) and its net interest margin ran from 3.94% (Q4 2024) to 4.25% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.78% | 1.15% | 0.40% | 4.19% | 4.25% |
| Q1 2026 | 16.67% | 1.04% | 0.44% | 4.47% | 4.20% |
| Q4 2025 | 16.46% | 1.16% | 0.50% | 5.23% | 4.23% |
| Q3 2025 | 16.22% | 1.30% | 0.47% | 5.42% | 4.19% |
| Q2 2025 | 15.92% | 1.06% | 0.72% | 6.47% | 4.18% |
| Q1 2025 | 16.20% | 1.05% | 0.75% | 6.76% | 3.96% |
| Q4 2024 | 16.25% | 1.15% | 0.74% | 6.91% | 3.94% |
| Q3 2024 | 15.98% | 1.30% | 0.67% | 6.30% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 22 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 |
|---|---|---|---|
| JD Bank (main office) | Jennings , LA | 70546 | $162.7M |
| Eunice Branch | Eunice , LA | 70535 | $94.3M |
| Kirby Street Branch | Lake Charles , LA | 70601 | $93.3M |
| Moss Bluff Branch | Lake Charles , LA | 70611 | $84.1M |
| Sulphur Branch | Sulphur , LA | 70663 | $66.7M |
| Kinder Branch | Kinder , LA | 70648 | $63.8M |
| Iowa Branch | Iowa , LA | 70647 | $63.7M |
| North Lewis Branch | New Iberia , LA | 70563 | $60.4M |
| Sale Road Branch | Lake Charles , LA | 70605 | $55.1M |
| Lake Charles - Nelson Road Branch | Lake Charles , LA | 70605 | $49.5M |
| Mamou Branch | Mamou , LA | 70554 | $48.1M |
| Ville Platte Branch | Ville Platte , LA | 70586 | $45.0M |
| Lake Arthur Branch | Lake Arthur , LA | 70549 | $39.5M |
| Welsh Branch | Welsh , LA | 70591 | $33.4M |
| Opelousas Branch | Opelousas , LA | 70570 | $33.0M |
| Westlake Branch | Westlake , LA | 70669 | $28.4M |
| Morganfield Branch | Lake Charles , LA | 70607 | $28.4M |
| Carlyss Branch | Sulphur , LA | 70665 | $26.2M |
| Highway 14 Office | Lake Charles , LA | 70601 | $19.7M |
| Verot School Branch | Lafayette , LA | 70508 | $14.8M |
| Johnston Street Office Branch | Lafayette , LA | 70503 | $9.7M |
| Jefferson Highway Branch | Baton Rouge , LA | 70809 | $1.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired Guaranty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in LA, rank 20 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 JD Bank
What are JD Bank's total assets?
As of the Q2 2026 filing, JD Bank reported total assets of $1.26 billion in its FFIEC call report.
Where is JD Bank headquartered?
It is headquartered in Jennings, LA, United States.
When was JD Bank founded?
It was established in 1947, per the FDIC institution directory.
Is JD Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates JD Bank?
JD Bank's primary federal regulator is the FDIC.
What is JD Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does JD Bank operate?
It operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is JD Bank's Texas Ratio?
Its Texas Ratio is 4.19% 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.
What was JD Bank previously called?
The charter now named JD Bank has also operated as Jeff Davis Bank & Trust Company (1974-2013), per FDIC structure-change records.
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