Jefferson Security Bank

BankShepherdstown, West Virginia
https://www.jsb.bank

Total Assets

$562.2M

Total Deposits

$519.1M

Branches

6

Established

1869

TFS Health Grade

$
C-

72.9 / 100

Average financial health

How we grade

Jefferson Security Bank is a bank headquartered in Shepherdstown, West Virginia, established in 1869. With $562.2M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (72.9/100).

Capital & Safety

Tier 1 Capital Ratio
8.12%(8%)
Total Capital Ratio
13.91%(10%)
Non-Performing Loan Ratio
0.07%

Profitability

Return on Assets (ROA)
0.79%(1%)
Return on Equity (ROE)
13.15%(10%)
Net Interest Margin
3.00%
Efficiency Ratio
67.62%(60%)

Lending & Liquidity

Total Loans
$406.2M
Loan-to-Deposit Ratio
77.40%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+4.72%
Deposit Growth (YoY)
+4.89%
Net Income
$4.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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