Jefferson Security Bank (FDIC #9997): Bank Stress & Real-Estate Credit Exposure
Jefferson Security Bank (FDIC Cert #9997): bank stress 81/100, severe, STABLE over 7 days; parent JSB FINANCIAL INC.
Jefferson Security Bank (#9997) lends in 3 counties across 2 states; Jefferson Security Bank (#9997) reaches 40 ZIP codes: West Virginia 2 counties, 19 ZIPs; Maryland 1 county, 21 ZIPs.
Jefferson Security Bank (#9997) largest markets: Washington County, MD (21 branches, 21 ZIPs) (#9997), Berkeley County, WV (24 branches, 12 ZIPs) (#9997), Jefferson County, WV (27 branches, 9 ZIPs) (#9997).
Jefferson Security Bank (#9997) reports $566.1 million in total assets; Jefferson Security Bank (#9997) equity $39.1 million (6.9% of Jefferson Security Bank (#9997) assets); Jefferson Security Bank (#9997) domestic deposits $522.5 million; Jefferson Security Bank (#9997) net income $2.9 million; Jefferson Security Bank (#9997) return on assets 1.01%; Jefferson Security Bank (#9997) return on equity 15.26%; Jefferson Security Bank (#9997) net interest income $9.4 million; Jefferson Security Bank (#9997) call report June 30, 2026.
Jefferson Security Bank (#9997) noncurrent real-estate loans: none reported; Jefferson Security Bank (#9997) net charge-offs on real estate 0.01%.
Jefferson Security Bank (#9997) net interest margin 3.51% against an eight-quarter Jefferson Security Bank (#9997) average of 3.01% (Jefferson Security Bank (#9997) compression -0.50 points); Jefferson Security Bank (#9997) rate-exposure score 40/100, Jefferson Security Bank (#9997) fixed-rate trap 40/100; Jefferson Security Bank (#9997) risk type credit driven; Jefferson Security Bank (#9997) rate regime rates elevated, Jefferson Security Bank (#9997) snapshot October 19, 2026.
Jefferson Security Bank (#9997) stress score moved from 83.7 on June 22, 2026 to 81 on October 20, 2026; Jefferson Security Bank (#9997) ranged 81 to 83.7 over 117 snapshots.
Jefferson Security Bank (#9997) alerts: 3 counties; top Jefferson Security Bank (#9997) alert scores: Martinsburg County, WV 26 (low); Sharpsburg County, WV 26 (low); Shepherdstown County, WV 26 (low).