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507 Main Street
Jennings, LA 70546

JD Bank is headquartered in Jennings and is the 16st largest bank in the state of Louisiana. It is also the 913st largest bank in the nation. It was established in 1947 and as of March of 2014, it had grown to 264 employees at 20 locations. JD Bank's savings rates are 2X the national average, and it has a A health rating.

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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 JD Bank had $5.07 million in non-current loans and owned real-estate with $74.8 million in equity and loan loss allowances on hand to cover it. This gives JD Bank a Texas Ratio of 6.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for JD Bank experienced no significant changes from 3.76% as of March 31, 2013 to 6.77% as of March 31, 2014, resulting in a negative change of 80.34%. This indicates that the balance sheet and financial strength for JD Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, JD Bank has increased its total deposits by $27.78 million, resulting in 4.32% 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 JD Bank has shown is excellent.



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. JD Bank has $749.46 million in assets with $74.8 million in equity, resulting in a capitalization level of 9.98%, which is above average.

Institution Statistics

FDIC Certificate #16546
Year Established1947
Primary RegulatorFDIC
Assets and Liabilities
Assets$749.47 million
Loans$420.24 million
Deposits$671.08 million
Equity Capital$69.55 million
Loan Loss Allowance$5.24 million
Unbacked Noncurrent Loans$5.01 million
Real Estate Owned$53,000
Historic Data - March 2013
Assets$722.43 million
Equity Capital$68.33 million
Loan Loss Allowance$4.67 million
Unbacked Noncurrent Loans$5.01 million
Real Estate Owned$238,000
Profit Margin - Quarterly
Net Interest Margin4.02%
Return on Assets0.83%
Return on Equity8.89%
Interest Income$7.31 million
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JD Bank Savings Account Rates

1.25%-$15kKasasa Saver - Qualifying
0.10%--Kasasa Saver - Non Qualifying

JD Bank Checking Account Rates

3.25%-$10kKasasa Cash - Qualifying
0.10%--Kasasa Cash - Non Qualifying

JD Bank has 18 locations. Click to view all JD Bank locations.