🏦Bank Scorer

JACKSON COUNTY BANK

SEYMOUR, IN · Supervised by FDIC

Est. 1900FDIC #13,109RSSD: FDIC-13109
Part ofBANCORP OF SOUTHERN INDIANA→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Website

jcbank.com

Address

125 S Chestnut St, SEYMOUR, IN

County

Jackson County

Established

January 1, 1900

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$859M

Net Loans

$885M

Net Income

$2M

ROA

0.73%

ROE

8.78%

Risk-Based Capital

12.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.45%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$848M

1-Year Change

0

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202482574.18%13.45%
202393575.61%13.48%
202292179.37%9.45%
20211,02675.54%9.94%
20201,31880.5%8.19%
201946282.68%8.66%
201847281.99%10.17%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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