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Overview / Commentary
105 E Washington Street
Shepherdstown, WV 25443

Jefferson Security Bank is headquartered in Shepherdstown and is the 19st largest bank in the state of West Virginia. It is also the 2,283rd largest bank in the nation. It was established in 1869 and as of June of 2014, it had grown to 82 employees at 6 locations. Jefferson Security Bank has a C health rating.

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Data for Q2 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 June 30, 2014 Jefferson Security Bank had $7.09 million in non-current loans and owned real-estate with $22.83 million in equity and loan loss allowances on hand to cover it. This gives Jefferson Security Bank a Texas Ratio of 31.07% 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 Jefferson Security Bank increased slightly from 13.35% as of June 30, 2013 to 31.07% as of June 30, 2014, resulting in a negative change of 132.81%. This indicates that the balance sheet and financial strength for Jefferson Security Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Jefferson Security Bank has decreased its total deposits by -$4.81 million, resulting in -1.81% 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 Jefferson Security Bank has shown is 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. Jefferson Security Bank has $283.13 million in assets with $22.83 million in equity, resulting in a capitalization level of 8.06%, which is average.

Institution Statistics

FDIC Certificate #9997
Year Established1869
Primary RegulatorFDIC
Assets and Liabilities
Assets$283.13 million
Loans$128.76 million
Deposits$260.45 million
Equity Capital$21.00 million
Loan Loss Allowance$1.83 million
Unbacked Noncurrent Loans$6.20 million
Real Estate Owned$890,000
Historic Data - June 2013
Assets$286.06 million
Equity Capital$18.48 million
Loan Loss Allowance$1.67 million
Unbacked Noncurrent Loans$6.20 million
Real Estate Owned$894,000
Profit Margin - Quarterly
Return on Assets0.19%
Return on Equity2.65%
Interest Income$4.05 million

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Jefferson Security Bank Savings Account Rates

0.05%$50-Statement Savings Account
0.05%--Christmas Club Account

Jefferson Security Bank Money Market Rates

0.15%$100k-Money Market Deposit Account (MMDA)

Jefferson Security Bank Checking Account Rates

0.05%$1k-SuperNow Account
0.03%$50-Now Account

Jefferson Security Bank CD Rates

1.00%$500-60 Month CD
0.75%$500-48 Month CD
0.50%$500-36 Month CD
0.45%$500-30 Month CD
0.30%$500-24 Month CD
0.30%$500-26 Month Freedom CD
0.20%$500-18 Month CD
0.15%$500-12 Month CD
0.15%$500-11 Month Freedom CD
0.10%$500-6 Month CD
0.05%$500-3 Month CD

Jefferson Security Bank Locations
Sharpsburg Office Branch103 West Main StreetSharpsburg, MD 21782
Edwin Miller Boulevard Branch1487 Edwin Miller BoulevardMartinsburg, WV 25402
South Berkeley Branch277 Mineral DriveInwood, WV 25428
Barron Office Branch7994 Martinsburg PikeShepherdstown, WV 25443
Charles Town BranchRoute 340 and Jefferson AvenueCharles Town, WV 25414
Jefferson Security BankWashington and Princess StreetsShepherdstown, WV 25443