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Jackson County Bank
Mc Kee, KY · FDIC Certificate #291 · Chartered 10/0
Total assets
$175.87M
Total deposits
$113.60M
Total equity
$49.90M
Net loans
$71.89M
Branches (offices)
3
Net income (YTD)
$1.62M
Rank: #3,139 of 4,213 U.S. banks by assets · #86 of 120 in Kentucky. Assets changed 1.6% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.87% |
| Return on equity | 6.58% |
| Net interest margin (YTD) | 4.59% |
| Equity to assets | 28.37% |
| Tier 1 leverage ratio | 28.83% |
| Uninsured deposits (share of deposits) | 21.2% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 63.3% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.74M | 83.1% | |
| Commercial & industrial | $1.58M | 2.2% | |
| Consumer / individual | $11.79M | 16.4% | |
| Construction & development | $1.91M | 2.7% | |
| Agricultural | $839.00K | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $168.79M | $120.43M | $840.00K | $39.45M |
| Jun 2023 | $160.62M | $105.51M | $1.41M | $40.85M |
| Jun 2024 | $166.62M | $109.46M | $1.84M | $43.75M |
| Jun 2025 | $173.09M | $110.62M | $1.67M | $47.40M |
| Jun 2026 | $175.87M | $113.60M | $1.62M | $49.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $113.60M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $113.60M.
Similar-sized banks
Community State Bank ($175.89M) · New Frontier Bank ($175.71M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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