TellerScore

Jackson County Bank (FDIC certificate #291) is based in Mc Kee, Kentucky. Its Q2 2026 call report shows $175.9M in total assets and $113.6M in deposits and 3 offices.

Based on its Q2 2026 filing, Jackson County Bank scores 92/100, which we describe as very strong. That is higher than 97% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 5th. Its strongest component is capital cushion (100/100; 28.83%), and its lowest is loan quality (77/100; 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 28.83%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.68%
Earnings95/100
Return on assets (annualized): 1.87%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 63.3% · 21.2% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.99%

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 (94 → 92), mostly because the loan quality component weakened by 10 points.

TellerScore
919395Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202495
Q1 202594
Q2 202594
Q3 202593
Q4 202593
Q1 202691
Q2 202692
Tier 1 leverage ratio
5.00%16.91%28.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202427.08%
Q3 202427.30%
Q4 202426.57%
Q1 202526.11%
Q2 202526.89%
Q3 202527.39%
Q4 202527.13%
Q1 202628.29%
Q2 202628.83%
Noncurrent loans
0.35%0.52%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.42%
Q4 20240.40%
Q1 20250.35%
Q2 20250.38%
Q3 20250.48%
Q4 20250.54%
Q1 20260.66%
Q2 20260.68%
Return on assets
1.83%2.03%2.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.22%
Q3 20242.09%
Q4 20242.01%
Q1 20251.87%
Q2 20251.91%
Q3 20251.93%
Q4 20251.94%
Q1 20261.83%
Q2 20261.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$175.9M28.83%0.68%1.87%63.3%
Q1 202691$170.2M28.29%0.66%1.83%64.8%
Q4 202593$175.2M27.13%0.54%1.94%63.9%
Q3 202593$172.4M27.39%0.48%1.93%66.7%
Q2 202594$173.1M26.89%0.38%1.91%65.4%
Q1 202594$177.5M26.11%0.35%1.87%61.1%
Q4 202495$173.7M26.57%0.40%2.01%62.6%
Q3 202494$170.1M27.30%0.42%2.09%66.4%
Q2 202494$166.6M27.08%0.49%2.22%67.0%

2,650 peers · $100 million – $1 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 ratio28.83%
99th
Total risk-based capital0.00%
24th
Problem loans0.68%
38th
Net charge-offs0.05%
27th
Return on assets1.87%
83rd
Net interest margin4.59%
82nd
Efficiency ratio50.0%
83rd
Loans to deposits63.3%
79th
Uninsured deposits21.2%
60th
Loan-loss reserves2.69%
98th
Texas ratio1.0%
69th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Pbk Bank, Inc.Bank Stanford, KY94 out of 100, Very strong$175.6M15.2%0.46%vs
Bank of ClarksonBank Clarkson, KY67 out of 100, Moderate$178.2M12.4%1.87%vs
Citizens Bank and Trust of Lebanon, Inc.Bank Lebanon, KY75 out of 100, Strong$173.0M11.3%0.18%vs
Auburn Banking CompanyBank Auburn, KY65 out of 100, Moderate$164.3M8.3%0.65%vs
Bank of MaysvilleBank Maysville, KY93 out of 100, Very strong$164.0M16.9%0.12%vs
The Salyersville National BankBank Salyersville, KY89 out of 100, Very strong$163.5M14.2%0.00%vs

Deposit insurance

Is my money safe at Jackson County Bank?

Yes. Jackson County Bank is an FDIC-insured institution (FDIC certificate #291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.2% of deposits ($24.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 28.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Jackson County Bank lists 3 offices in 2 cities. Most locations:

  • Mc Kee, KY (2)
  • Annville, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Jackson County Bank
Type
State-chartered bank
FDIC certificate #
291
RSSD ID
1016718
Primary regulator
FDIC
Established
October 5, 1904
Headquarters
123 Main St N, Mc Kee, KY 40447
Employees
38

Quick answers

Jackson County Bank: common questions

Is Jackson County Bank FDIC insured?

Yes. Jackson County Bank is an FDIC-insured institution (FDIC certificate #291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Jackson County Bank's TellerScore?

92 out of 100 (Very strong), 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 #291 in the FDIC failed bank list.

How many branches does Jackson County Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mc Kee

InstitutionScoreAssetsCapitalProblem loansCompare
Pbk Bank, Inc.Bank Stanford, KY94 out of 100, Very strong$175.6M15.2%0.46%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Commercial BankBank Harrogate, TN77 out of 100, Strong$2.4B11.6%0.35%vs
Central Bank & Trust Co.Bank Lexington, KY76 out of 100, Strong$4.0B12.4%0.21%vs
L & N Federal Credit UnionCredit union Louisville, KY72 out of 100, Strong$2.6B10.6%0.26%vs