Jefferson Security Bank
BankRegReports is independent of Jefferson Security Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Jefferson Security Bank is an FDIC-insured commercial bank headquartered in Shepherdstown, WV, established in 1869 (FDIC certificate 9997), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $566.1M, up 2.6% from Q2 2025, the 11th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 12.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9997
- Headquarters
- Shepherdstown, WV
- Established
- 1869
- Total assets, Q2 2026
- $566.1M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 12.97%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 057001971
- Holding company
- JSB FINANCIAL INC.
- Asset rank in state
- 11th of 40 in West Virginia
Jefferson Security Bank operates with a thinner capital cushion than most banks of its size. Based in Shepherdstown, West Virginia, it had $566 million in assets at June 30, 2026, up 2.6% from a year earlier. It funds 8.39% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.7 million, 64% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.2 million equal 17% of Tier 1 capital, down from 26% a year earlier. 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, Jefferson Security Bank reported a CET1 capital ratio of 12.97%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.09%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, Jefferson Security Bank is the 11th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $566.1M, loans rose 1.3% and deposits fell 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 63.4% of total loans, followed by non-owner-occupied commercial real estate loans at 13.1%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities across 2 states; its Shepherdstown 2 offices book 46% of its branch deposits. Judged on its Q2 2026 call report, Jefferson Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 E Washington St, Shepherdstown, WV 25443
- County
- Jefferson
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 19, 1869
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $522.5M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $575.8M
- Average total loans
- $414.4M
- Average interest-bearing deposits
- $386.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9997
- Fed RSSD
- 786733
- SEC CIK
- 861499 → filed by JSB FINANCIAL INC.
- Website
- https://www.jsb.bank →
- Parent Holding Company
- JSB FINANCIAL INC. (RSSD 5850143)
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
Over the 12 quarters to Q2 2026, Jefferson Security Bank's total assets ran between $498.4M (Q3 2023) and $577.6M (Q1 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
$566.1M total assets against $551.6M; $527.0M total liabilities against $518.9M.
$411.8M net loans and leases against $391.2M; $522.5M total deposits against $503.1M.
$100.7M securities against $107.1M; $27.6M cash and balances due against $28.0M.
$7.3M total interest income against $6.5M; $2.3M total interest expense against $2.6M.
$5.0M net interest income against $3.8M.
$722K total noninterest income against $592K; $3.5M total noninterest expense against $3.1M.
$105K provision for credit losses against $75K.
$1.7M net income against $1.0M.
1.17% return on assets against 0.74%; 3.68% net interest margin against 2.95%.
12.97% CET1 capital ratio against 12.63%; 8.39% tier 1 leverage ratio against 7.89%.
Inside the full Jefferson Security 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.
Jefferson Security Bank rankings
Its closest position to the top of a national ranking is 1,620 of 4,196, for total assets; its furthest is 3,250 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.53% (Q4 2024) to 1.44% (Q3 2024) and its net interest margin ran from 2.70% (Q4 2024) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.97% | 1.17% | 0.01% | 0.09% | 3.68% |
| Q1 2026 | 12.55% | 0.82% | 0.08% | 0.75% | 3.30% |
| Q4 2025 | 12.66% | 0.97% | 0.07% | 0.70% | 3.25% |
| Q3 2025 | 12.45% | 0.84% | 0.07% | 0.76% | 3.07% |
| Q2 2025 | 12.63% | 0.74% | 0.03% | 0.29% | 2.95% |
| Q1 2025 | 12.31% | 0.55% | 0.02% | 0.22% | 2.75% |
| Q4 2024 | 12.66% | 0.53% | 0.01% | 0.14% | 2.70% |
| Q3 2024 | 12.45% | 1.44% | 0.01% | 0.14% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Jefferson Security Bank (main office) | Shepherdstown , WV | 25443 | $213.1M |
| Edwin Miller Boulevard Branch | Martinsburg , WV | 25404 | $136.3M |
| Charles Town Branch | Charles Town , WV | 25414 | $82.6M |
| South Berkeley Branch | Inwood , WV | 25428 | $58.0M |
| Barron Office Branch | Shepherdstown , WV | 25443 | $26.1M |
| Sharpsburg Office Branch | Sharpsburg , MD | 21782 | $6.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in WV, rank 17 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 186 applications, 135 loans originated, $46.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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
Add this badge to your website
Free to use. It shows Jefferson Security Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Jefferson Security Bank
What are Jefferson Security Bank's total assets?
As of the Q2 2026 filing, Jefferson Security Bank reported total assets of $566.1 million in its FFIEC call report.
Where is Jefferson Security Bank headquartered?
It is headquartered in Shepherdstown, WV, United States.
When was Jefferson Security Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Jefferson Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9997). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jefferson Security Bank?
Jefferson Security Bank's primary federal regulator is the FDIC.
What is Jefferson Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Jefferson Security Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jefferson Security Bank's Texas Ratio?
Its Texas Ratio is 0.09% 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.
Go deeper on Jefferson Security Bank.
Get an email when Jefferson Security Bank files its next call report, and benchmark it against any peer you choose.
Unlock Jefferson Security Bank, freeFree account