🏦Bank Scorer

JEFFERSON SECURITY BANK

SHEPHERDSTOWN, WV · Supervised by FDIC

Est. 1869FDIC #9,997RSSD: FDIC-9997
Part ofJSB FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.83%

Institution Profile

FDIC BankFind

Address

105 E Washington St, SHEPHERDSTOWN, WV

County

Jefferson County

Established

May 19, 1869

Total Assets

$578M(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

September 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$578M

Total Deposits

$536M

Net Loans

$407M

Net Income

$1M

ROA

0.83%

ROE

12.83%

Risk-Based Capital

13.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate12.27%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$503M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416377.91%12.27%
202319379.79%9.33%
202230080%8.00%
202127481.75%5.84%
202020482.35%9.31%
201920074.5%13.50%
201821376.06%14.55%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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