Jefferson Security Bank
Shepherdstown, WV
IDRSSD: 786733
Total Assets
$554.66M
Latest filing
Total Deposits
$513.52M
Latest filing
Net Interest Margin
3.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Jefferson Security Bank
105 E Washington St
Shepherdstown, WV 25443
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/19/1869FDIC Certificate 6390
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Jefferson Security Bank (Main) | 105 E Washington St | Shepherdstown, WV |
| CHARLES TOWN BRANCH | 873 E Washington St | Charles Town, WV |
| EDWIN MILLER BOULEVARD BRANCH | 1487 Edwin Miller Blvd | Martinsburg, WV |
| SOUTH BERKELEY BRANCH | 277 Mineral Drive | Inwood, WV |
| BARRON OFFICE BRANCH | 7994 Martinsburg Pike | Shepherdstown, WV |
| SHARPSBURG OFFICE BRANCH | 103 W Main St | Sharpsburg, MD |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/19/1869 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25443 |
| State and County Number | 54037 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Washington-Arlington-Alexandria, DC-VA-MD-WV |
Operational Info
| Number of Employees | 80 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.jsb.bank |
| Data Updated | 11/14/2025 |
| CERT | 9997 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $554.66M |
| Total Deposits | $513.52M |
| Total Liabilities | $520.39M |
| Total Equity Capital | $34.27M |
| Net Income | $1.17M |
| Net Loans and Leases | $394.36M |
| Assets Per Employee ($Millions) | $7.3M |
| Bank Premises and Fixed Assets | $4.57M |
| Cash and Balances due from Depository Institutions | $29.94M |
| Deposits Held in Domestic Offices | $513.52M |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 14% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 65.44% |
| Tier 1 Risk-Based Capital Ratio | 12.452% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.178% |
| Earning Assets to total Assets | 94.78% |
Income and Expense
| Total Interest Income | $6.60M |
| Total Noninterest Income | $616.00k |
| Total Interest Expense | $2.61M |
| Total Noninterest Expense | $3.01M |
| Net Interest Income | $3.99M |
| Pre-tax Net Operating Income | $1.46M |
| Provision for Credit Losses | $128.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.62M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.25M |
| Total Liabilities and Capital | $554.66M |
Securities
| Securities | $105.56M |
| Available-for-sale debt securities | $56.42M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $49.14M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Jefferson Security Bank?
$554.66M as of the latest filing.
How much are Jefferson Security Bank's total deposits?
$513.52M in total deposits.
Where is Jefferson Security Bank located?
Shepherdstown, WV.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
6.
When was it established?
05/19/1869.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$394.36M (latest filing).
What is the total interest income (latest filing)?
$6.60M.