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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Jamestown, KY · FDIC certificate #8118
BANK OF JAMESTOWN is an FDIC-insured institution based in Jamestown, KY (FDIC certificate #8118). In its Q3 2026 Call Report it reported total assets of $259M, total deposits of $191M and net loans of $159M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF JAMESTOWN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $264M in Q2 2026 and were lowest at $259M in Q3 2026.
Total deposits were highest at $192M in Q1 2026 and lowest at $191M in Q3 2026.
Over the whole period total assets fell 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $259M | $191M | $159M | 1.34% | 10.41% | 3.61% |
| Q2 2026 | $264M | $192M | $155M | 1.24% | 9.65% | 3.59% |
| Q1 2026 | $263M | $192M | $155M | 1.21% | 9.25% | 3.53% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.1M | $13.3M | +$1.8M | +13.8% |
| Federal funds sold | $6.8M | $3.1M | +$3.7M | +121.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $80.9M | $85.6M | -$4.7M | -5.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $155.5M | $155.1M | +$409K | +0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.3M | $2.3M | -$42K | -1.8% |
| Other real estate owned | $9K | $0K | +$9K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.2M | $3.4M | -$250K | -7.3% |
| Total assets | $263.8M | $262.8M | +$988K | +0.4% |
| Liabilities | ||||
| Total deposits | $192.2M | $192.5M | -$242K | -0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $28.2M | $24.2M | +$3.9M | +16.2% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $9.4M | $10.5M | -$1.1M | -10.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $922K | $1.0M | -$109K | -10.6% |
| Total liabilities | $230.7M | $228.3M | +$2.5M | +1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $10.8M | $10.8M | $0K | 0.0% |
| Retained earnings | $22.8M | $24.3M | -$1.5M | -6.0% |
| Accumulated other comprehensive income | -$759K | -$732K | -$27K | -3.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $33.1M | $34.5M | -$1.5M | -4.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $47K | $71K | -$24K | -33.8% |
| Adjusted nonperforming assets | $47K | $71K | -$24K | -33.8% |
| Tangible equity plus allowance | $35.4M | $36.8M | -$1.4M | -3.9% |
| Texas ratio (gross) | 0.13% | 0.19% | -0.06 pts | See points |
| Texas ratio (adjusted) | 0.13% | 0.19% | -0.06 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.08% | 1.06% | +0.01 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.96% | 13.40% | -0.44 pts | See points |
| Construction and land loans to total capital | 35.70% | 31.72% | +3.99 pts | See points |
| Commercial real estate to total capital | 206.17% | 199.94% | +6.23 pts | See points |
| Dividend payout, year to date | 177.82% | 77.44% | +100.37 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.06% | -2.89% | -0.17 pts | See points |
| Liquidity | ||||
| Core deposits | $177.8M | $176.6M | +$1.1M | +0.6% |
| Non-core funding | $52.0M | $50.6M | +$1.4M | +2.8% |
| Loans to core deposits | 88.77% | 89.10% | -0.32 pts | See points |
| Loans to deposits | 82.11% | 81.77% | +0.33 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 70.21% | 69.14% | +1.07 pts | See points |
| Loans pledged, share of loans | 15.37% | 18.36% | -3.00 pts | See points |
| Volatile liabilities | $52.0M | $50.6M | +$1.4M | +2.8% |
| Earnings | ||||
| Earnings before provision, year to date | $2.2M | $1.1M | +$1.1M | +105.9% |
| Earnings before provision, single quarter | $1.1M | $1.1M | +$63K | +5.9% |
| Provision for credit losses, year to date | $90K | $45K | +$45K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.39% | 6.23% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.21% | 2.67% | +0.53 pts | See points |
| Total interest income to average assets | 5.24% | 5.11% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.32% | 0.52% | -0.20 pts | See points |
| Cost of savings and money market deposits | 0.34% | 0.34% | +0.00 pts | See points |
| Cost of time deposits | 3.64% | 3.53% | +0.11 pts | See points |
| Total interest expense to average assets | 1.70% | 1.72% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $259M | $191M | $159M | 1.34% | 10.41% | 3.61% |
| 2026-06-30 | $264M | $192M | $155M | 1.24% | 9.65% | 3.59% |
| 2026-03-31 | $263M | $192M | $155M | 1.21% | 9.25% | 3.53% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $190.7M | 0.16% | 99 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.