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Jefferson Security Bank
Shepherdstown, WV · FDIC Certificate #9997 · Chartered 05/1
Total assets
$566.07M
Total deposits
$522.52M
Total equity
$39.08M
Net loans
$411.78M
Branches (offices)
6
Net income (YTD)
$2.87M
Rank: #1,627 of 4,213 U.S. banks by assets · #11 of 41 in West Virginia. Assets changed 2.6% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 15.26% |
| Net interest margin (YTD) | 3.51% |
| Equity to assets | 6.90% |
| Tier 1 leverage ratio | 8.39% |
| Uninsured deposits (share of deposits) | 20.2% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 78.8% |
| Real estate loans (share of loans) | 97.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $403.19M | 97.9% | |
| Commercial & industrial | $8.10M | 2.0% | |
| Consumer / individual | $4.45M | 1.1% | |
| Construction & development | $31.93M | 7.8% | |
| Agricultural | $3.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $448.90M | $425.57M | $1.62M | $20.05M |
| Jun 2023 | $475.23M | $414.77M | $1.69M | $23.78M |
| Jun 2024 | $541.96M | $468.57M | $1.54M | $25.75M |
| Jun 2025 | $551.63M | $503.13M | $1.79M | $32.71M |
| Jun 2026 | $566.07M | $522.52M | $2.87M | $39.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $516.12M | 5 |
| Maryland | $6.41M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $522.52M.
Similar-sized banks
Century Bank ($566.20M) · Redwood Capital Bank ($566.04M)
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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