TellerScore

Headquartered in Shepherdstown, West Virginia, Jefferson Security Bank is a state-chartered bank with $566.1M in total assets and $522.5M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1869.

Based on its Q2 2026 filing, Jefferson Security Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 25th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (34/100; 8.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.39%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 78.8% · 20.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.09%

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 rose 4 points (65 → 69), mostly because the earnings component improved by 14 points.

TellerScore
636669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202466
Q4 202466
Q1 202564
Q2 202565
Q3 202565
Q4 202566
Q1 202666
Q2 202669
Tier 1 leverage ratio
5.00%6.70%8.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.43%
Q3 20247.47%
Q4 20247.62%
Q1 20257.79%
Q2 20257.89%
Q3 20258.02%
Q4 20258.12%
Q1 20268.12%
Q2 20268.39%
Noncurrent loans
0.01%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.01%
Q1 20250.02%
Q2 20250.03%
Q3 20250.07%
Q4 20250.07%
Q1 20260.08%
Q2 20260.01%
Return on assets
0.56%0.79%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.88%
Q4 20240.80%
Q1 20250.56%
Q2 20250.66%
Q3 20250.72%
Q4 20250.79%
Q1 20260.83%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$566.1M8.39%0.01%1.01%78.8%
Q1 202666$577.6M8.12%0.08%0.83%75.9%
Q4 202566$562.2M8.12%0.07%0.79%77.4%
Q3 202565$554.7M8.02%0.07%0.72%76.8%
Q2 202565$551.6M7.89%0.03%0.66%77.7%
Q1 202564$544.4M7.79%0.02%0.56%76.2%
Q4 202466$536.9M7.62%0.01%0.80%76.4%
Q3 202466$577.3M7.47%0.01%0.88%73.1%
Q2 202463$542.0M7.43%0.01%0.59%79.8%

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 ratio8.39%
5th
Total risk-based capital14.22%
63rd
Problem loans0.01%
85th
Net charge-offs0.01%
43rd
Return on assets1.01%
34th
Net interest margin3.51%
28th
Efficiency ratio64.2%
44th
Loans to deposits78.8%
52nd
Uninsured deposits20.2%
64th
Loan-loss reserves1.12%
41st
Texas ratio0.1%
86th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Huntington Federal Savings BankBank Huntington, WV77 out of 100, Strong$532.3M15.1%0.29%vs
Hancock County Savings Bank, F.S.B.Bank Chester, WV79 out of 100, Strong$508.0M18.4%0.63%vs
The Poca Valley Bank, Inc.Bank Walton, WV61 out of 100, Moderate$666.2M7.8%0.37%vs
Freedom Bank, Inc.Bank Belington, WV78 out of 100, Strong$429.7M11.4%0.36%vs
Putnam County BankBank Hurricane, WV80 out of 100, Strong$704.2M12.3%0.00%vs
Highlands BankBank Petersburg, WV69 out of 100, Moderate$407.1M11.0%0.91%vs

Deposit insurance

Is my money safe at Jefferson Security Bank?

Yes. Jefferson Security Bank is an FDIC-insured institution (FDIC certificate #9997). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.2% of deposits ($105.3M) 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 8.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.22% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Jefferson Security Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Jefferson Security Bank reported 184 home-loan applications under HMDA (LEI 5493004HRO0EREBVYM82): 135 originated ($46,485,000 total), 17 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, 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
Jefferson Security Bank
Type
State-chartered bank
FDIC certificate #
9997
RSSD ID
786733
Primary regulator
FDIC
Holding company
Jsb Financial Inc
Established
May 19, 1869
Headquarters
105 E Washington St, Shepherdstown, WV 25443
Employees
81

Quick answers

Jefferson Security Bank: common questions

Is Jefferson Security Bank FDIC insured?

Yes. Jefferson Security Bank is an FDIC-insured institution (FDIC certificate #9997). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Jefferson Security Bank's TellerScore?

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

Has Jefferson Security Bank ever failed?

There is no failure record for FDIC certificate #9997 in the FDIC failed bank list.

How many branches does Jefferson Security Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Shepherdstown

InstitutionScoreAssetsCapitalProblem loansCompare
Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV92 out of 100, Very strong$17.1M13.9%0.32%vs
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%vs
Virginia National BankBank Charlottesville, VA83 out of 100, Strong$1.6B13.2%0.47%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs