TellerScore

Jackson County Bank (FDIC certificate #13109) is based in Seymour, Indiana. Its Q2 2026 call report shows $1.1B in total assets and $894.8M in deposits and 15 offices.

Based on its Q2 2026 filing, Jackson County Bank scores 53/100, which we describe as below average. That is higher than only 11% of 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 80th. Its strongest component is problem-loan coverage (87/100; 6.6%), and its lowest is funding & liquidity (20/100; 100% loans-to-deposits, 51% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.46%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.55%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity20/100
Loans ÷ deposits and uninsured-deposit share: 100.4% · 50.7% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (55 → 53), mostly because the problem-loan coverage component weakened by 4 points.

TellerScore
525558Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202457
Q4 202457
Q1 202558
Q2 202555
Q3 202556
Q4 202553
Q1 202652
Q2 202653
Tier 1 leverage ratio
5.00%6.86%8.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.27%
Q3 20248.48%
Q4 20248.58%
Q1 20258.72%
Q2 20258.47%
Q3 20258.66%
Q4 20258.52%
Q1 20268.59%
Q2 20268.46%
Noncurrent loans
0.31%0.47%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.44%
Q3 20240.34%
Q4 20240.37%
Q1 20250.31%
Q2 20250.47%
Q3 20250.39%
Q4 20250.61%
Q1 20260.62%
Q2 20260.55%
Return on assets
0.66%0.75%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.68%
Q4 20240.74%
Q1 20250.84%
Q2 20250.83%
Q3 20250.85%
Q4 20250.85%
Q1 20260.73%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$1.1B8.46%0.55%0.78%100.4%
Q1 202652$1.1B8.59%0.62%0.73%103.0%
Q4 202553$1.1B8.52%0.61%0.85%103.2%
Q3 202556$1.0B8.66%0.39%0.85%104.9%
Q2 202555$1.0B8.47%0.47%0.83%100.1%
Q1 202558$1.0B8.72%0.31%0.84%97.0%
Q4 202457$982.5M8.58%0.37%0.74%101.8%
Q3 202457$1.0B8.48%0.34%0.68%102.1%
Q2 202455$1.0B8.27%0.44%0.66%98.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.46%
6th
Total risk-based capital12.17%
34th
Problem loans0.55%
47th
Net charge-offs-0.00%
86th
Return on assets0.78%
18th
Net interest margin3.51%
37th
Efficiency ratio72.6%
17th
Loans to deposits100.4%
13th
Uninsured deposits50.7%
9th
Loan-loss reserves1.10%
43rd
Texas ratio6.6%
29th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of BerneBank Berne, IN73 out of 100, Strong$1.1B9.9%0.47%vs
First Harrison BankBank Corydon, IN75 out of 100, Strong$1.3B11.3%0.72%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs
First Bank MidwestBank Frankfort, IN52 out of 100, Below average$1.5B10.9%1.78%vs
Peoples BankBank Munster, IN53 out of 100, Below average$2.0B9.3%1.10%vs
The National Bank of IndianapolisBank Indianapolis, IN66 out of 100, Moderate$3.0B9.3%0.15%vs

Deposit insurance

Is my money safe at Jackson County Bank?

Yes. Jackson County Bank is an FDIC-insured institution (FDIC certificate #13109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.7% of deposits ($453.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.46%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.17% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Jackson County Bank lists 14 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Jackson County Bank reported 875 home-loan applications under HMDA (LEI 549300HIDQ8IRRU12455): 685 originated ($186,595,000 total), 97 denied, and 71 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Jackson County Bank
Former names
The Jackson County Loan and Trust Company
Type
State-chartered bank
FDIC certificate #
13109
RSSD ID
884442
Primary regulator
FDIC
Holding company
Bancorp of Southern Indiana
Established
January 1, 1900
Headquarters
125 S Chestnut St, Seymour, IN 47274
Website
jcbank.com
Employees
186

Quick answers

Jackson County Bank: common questions

Is Jackson County Bank FDIC insured?

Yes. Jackson County Bank is an FDIC-insured institution (FDIC certificate #13109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Jackson County Bank's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Jackson County Bank ever failed?

There is no failure record for FDIC certificate #13109 in the FDIC failed bank list.

How many branches does Jackson County Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Seymour

InstitutionScoreAssetsCapitalProblem loansCompare
Jackson County Co-Op Credit UnionCredit union Seymour, IN92 out of 100, Very strong$31.3M18.4%0.00%vs
Business and Industrial Federal Credit UnionCredit union Columbus, IN91 out of 100, Very strong$44.9M18.0%0.24%vs
Scottsburg Building and Loan AssociationBank Scottsburg, IN82 out of 100, Strong$76.9M18.9%0.18%vs
The Peoples State BankBank Ellettsville, IN78 out of 100, Strong$506.6M10.5%0.19%vs
Bar-Cons Federal Credit UnionCredit union Columbus, IN77 out of 100, Strong$52.8M18.0%1.21%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs