$411M
+6.1%y/y
Percentile by value63rd percentileby value
FDIC
LNLSGRJS
Jefferson Security Bank
Shepherdstown, West VirginiaFDIC Cert #9997
STATEEstablished 18696 branches
Holding company: JSB FINANCIAL INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $23.7M |
| Investor CRE | $55M |
| Multifamily | $24.1M |
| Construction | $33M |
| 1–4 family | $259M |
| C&I | $7.7M |
| Agriculture | $2.83M |
| Other | $6.1M |
Loan book
Reported balances and balance-sheet intensity.
$407M
+6.1%y/y
Percentile by value63rd percentileby value
FDIC
LNLSNET+6.09%
+31.3%y/y
Percentile by value51st percentileby value
FDIC
LNLSNET75.9%
−0.4%y/y
Percentile by value41st percentileby value
FDIC
LNLSNET + DEP70.4%
−0.0%y/y
Percentile by value55th percentileby value
FDIC
LNLSNET + ASSET101.98%
+0.1%y/y
Percentile by value97th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
219%
+7.9%y/y
Percentile by value68th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC64%
+30.3%y/y
Percentile by value73rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC4,303points
−7.9%y/y
Peer standing3rd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.77%
+1.2%y/y
Percentile by value17th percentileby value
FDIC
LNRENROW + LNLSGR13.38%
−3.9%y/y
Percentile by value48th percentileby value
FDIC
LNRENROT + LNLSGR1.87%
+22.3%y/y
Percentile by value3rd percentileby value
FDIC
LNCI + LNLSGR