Jefferson Security Bank

Overview / Commentary

www.jsb.bank

304-876-9000

105 E Washington Street
Shepherdstown, WV 25443

Jefferson Security Bank is headquartered in Shepherdstown and is the 15^th largest bank in the state of West Virginia. It is also the 2,063^rd largest bank in the nation. It was established in 1869 and as of December of 2019, it had grown to 72 employees at 6 locations. Jefferson Security Bank's money market rates are 70% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	9997
Year Established	1869
Employees	72
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	10.88%
Annual Interest Income	$12.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$324.4MM$310.7MM
Loans	Q4 2019vs Q4 2018	$217.3MM$199.6MM
Deposits	Q4 2019vs Q4 2018	$283.0MM$262.3MM
Equity Capital	Q4 2019vs Q4 2018	$27.4MM$23.5MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$2.0MM$2.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$3.6MM$3.9MM
Real Estate Owned	Q4 2019vs Q4 2018	$278.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Jefferson Security Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Christmas Club
0.05%	-	-	Simple Savings
0.05%	-	-	Youth Savings

Jefferson Security Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$200k^*	-	Super Money Market
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k \| 0.50% → $100k - $200k
0.35%^*	$200k^*	-	Money Market
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k \| 0.25% → $100k - $200k

Jefferson Security Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	-	$25k	Rewards Checking
OTHER TIERS: 0.05% → $25k+
0.15%^*	$25k^*	-	Interest Checking
OTHER TIERS: 0.05% → Up to $25k

Jefferson Security Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$500	-	60 Month CD
0.65%	$500	-	48 Month CD
0.50%	$500	-	36 Month CD
0.50%	$500	-	36 Month Customizer CD
0.35%	$500	-	30 Month CD
0.30%	$500	-	24 Month CD
0.30%	$500	-	26 Month Freedom CD
0.25%	$500	-	18 Month CD
0.20%	$500	-	12 Month CD
0.20%	$500	-	11 Month Freedom CD
0.20%	$500	-	11 Month Customizer CD
0.15%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

Jefferson Security Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$500	-	60 Month IRA
2.02%	$500	-	13 Month IRA Special
1.51%	$500	-	48 Month IRA
1.26%	$500	-	36 Month IRA
1.21%	$500	-	30 Month IRA
1.16%	$500	-	24 Month IRA
1.16%	$500	-	26 Month Freedom IRA
1.11%	$500	-	18 Month IRA
1.00%	$500	-	11 Month Freedom IRA
1.00%	$500	-	12 Month IRA
0.50%	$500	-	6 Month IRA
0.25%	$500	-	3 Month IRA

Locations

Jefferson Security Bank Locations
Sharpsburg Office Branch	103 West Main Street	Sharpsburg, MD 21782
Edwin Miller Boulevard Branch	1487 Edwin Miller Boulevard	Martinsburg, WV 25402
South Berkeley Branch	277 Mineral Drive	Inwood, WV 25428
Barron Office Branch	7994 Martinsburg Pike	Shepherdstown, WV 25443
Charles Town Branch	873 East Washington St, Suite 100	Charles Town, WV 25414
Jefferson Security Bank	105 E Washington Street	Shepherdstown, WV 25443

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