Jefferson Security Bank
Shepherdstown, WV · Cert 9997 · Peer group: banks under $1B in assets (n=581-629) · JSB Financial Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$566.1MAssets
$416.4MLoans
$522.5MDeposits
$39.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets (rank 87 of 581).
- Widest gap: equity / assets trails 95% of banks under $1B in assets (rank 597 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.02%
Rank 312 of 629
Net Interest Margin
3.28%
Rank 400 of 629
Efficiency Ratio
64.24%
Rank 250 of 629
Equity / Assets
6.90%
Rank 597 of 629
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 60% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.60% | 1.01% | 1.45% | Beats 50% | 312 / 629 | | |
| Return on Equity | 14.70% | 5.38% | 9.30% | 13.28% | Beats 82% | 116 / 629 | | |
| Net Interest Margin | 3.28% | 3.03% | 3.54% | 4.05% | Beats 36% | 400 / 629 | | |
| Efficiency Ratio | 64.24% | 58.35% | 67.79% | 79.08% | Beats 60% | 250 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.46% | 1.20% | Beats 85% | 87 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 52% | 278 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.97% | 11.24% | 13.84% | 18.77% | Beats 44% | 354 / 629 | | |
| Total Risk-Based Capital Ratio | 14.22% | 11.58% | 14.43% | 19.66% | Beats 48% | 328 / 629 | | |
| Equity / Assets | 6.90% | 9.09% | 10.65% | 13.80% | Beats 5% | 597 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.70% | 67.24% | 80.90% | 93.48% | 49th pctl | 305 / 594 | | |
| Loans / Assets | 73.56% | 53.31% | 67.71% | 78.15% | 62nd pctl | 236 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |