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100 North Laura Street 10th Fl
Jacksonville, FL 32202

The Jacksonville Bank is headquartered in Jacksonville and is the 48th largest bank in the state of Florida. It is also the 1,360th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 103 employees at 9 locations. The Jacksonville Bank has a C+ health rating.

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Reviews (1)

No Longer Customer Oriented...

I was with Oceanside bank which was taken over by Jacksonville Bank.  Almost immediately they tried to impose fees on my accounts when I have well over 100,000 in the bank and have a checking, savings, money market and safety deposit box with them.  Every car loan I ever had and a Heloc was with them as well.  Never ONE late payment in 22 years.  Unfortunately, the branch manager has dropped the ball on two transactions I wanted to do and I can't even get a call back from her.  I applied to increase my credit line and two months later I don't get a call or anything!  when I called them she told me she didn't know what happened.   I told her to cancel the increase and lower my heloc interest rate.  I've been trying to do this for a year to no avail.  I am over this bank - 

Additionally, I encouraged my husband to open an account here and he will be taking his money elsewhere.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Jacksonville Bank had $20.14 million in non-current loans and owned real-estate with $63.41 million in equity and loan loss allowances on hand to cover it. This gives The Jacksonville Bank a Texas Ratio of 31.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Jacksonville Bank decreased slightly from 43.22% as of March 31, 2013 to 31.76% as of March 31, 2014, resulting in a positive change of 26.51%.This indicates that the balance sheet and financial strength for The Jacksonville Bank has improved slightly in recent periods.

Deposit Growth


In the past year, The Jacksonville Bank has decreased its total deposits by -$22.09 million, resulting in -4.92% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Jacksonville Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Jacksonville Bank has $495.87 million in assets with $63.41 million in equity, resulting in a capitalization level of 12.79%, which is excellent.

Institution Statistics

FDIC Certificate #34941
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$495.87 million
Loans$364.18 million
Deposits$426.39 million
Equity Capital$48.31 million
Loan Loss Allowance$15.10 million
Unbacked Noncurrent Loans$16.58 million
Real Estate Owned$3.56 million
Historic Data - March 2013
Assets$519.66 million
Equity Capital$49.57 million
Loan Loss Allowance$19.82 million
Unbacked Noncurrent Loans$16.58 million
Real Estate Owned$9.92 million
Profit Margin - Quarterly
Net Interest Margin3.84%
Return on Assets0.35%
Return on Equity3.68%
Interest Income$5.10 million

Always verify rates and promotions with the bank or credit union. We are not The Jacksonville Bank, we are a rate comparison website and can not provide official rates or promotions.

The Jacksonville Bank Savings Account Rates

0.38%$100k-Health Savings Account
0.10%--Personal Savings
0.10%--Business Savings
0.10%--Youth Savings

The Jacksonville Bank Money Market Rates

0.38%$150k-Personal Money Market
0.38%$150k-Business Money Market

The Jacksonville Bank Checking Account Rates

0.10%--Classic Checking
0.05%--Personal Interest Checking
0.05%--Business Interest Checking
0.05%--Sterling Checking

The Jacksonville Bank CD Rates

1.25%$1k-60 Month CD
1.25%$1k-Business 60 Month CD
0.92%$1k-36 - 59 Month CD
0.92%$1k-Business 36 - 59 Month CD
0.82%$1k-24 - 35 Month CD
0.82%$1k-Business 24 - 35 Month CD
0.78%$1k-18 Month CD w/ Bump Up
0.78%$1k-Business 18 Month CD w/ Bump Up
0.50%$1k-12 - 23 Month CD
0.50%$1k-Business 12 - 23 Month CD
0.10%$1k-1 Month CD
0.10%$1k-3 - 5 Month CD
0.10%$1k-6 - 11 Month CD
0.10%$1k-Business 1 Month CD
0.10%$1k-Business 3 - 5 Month CD
0.10%$1k-Business 6 - 11 Month CD

The Jacksonville Bank IRA Rates

1.25%$1k-60 Month IRA
0.92%$1k-36 - 59 Month IRA
0.82%$1k-24 - 35 Month IRA
0.50%$1k-12 - 23 Month IRA

The Jacksonville Bank Locations
Downtown Branch100 North Laura StreetJacksonville, FL 32202
The Jacksonville Bank10325 San Jose BoulevardJacksonville, FL 32202
Intracoastal West12740-200 Atlantic BoulevardJacksonville, FL 32225
Jax Beach Bank Branch1315 South Third StreetJacksonville Beach, FL 32250
Beach Boulevard Branch14288 Beach Boulevard, Ste. 100Jacksonville, FL 32224
Ortega Branch4343 Roosevelt BoulevardJacksonville, FL 32210
Neptune Beach Branch560 Atlantic BoulevardNeptune Beach, FL 32266
Gate Parkway Branch7880 Gate ParkwayJacksonville, FL 32259
Virtual BranchWww.jaxbank.comJacksonville, FL 32202