Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mc Kee, KY · FDIC certificate #291
JACKSON COUNTY BANK is an FDIC-insured institution based in Mc Kee, KY (FDIC certificate #291). In its Q3 2026 Call Report it reported total assets of $174M, total deposits of $113M and net loans of $72M. Its primary federal regulator is FDIC.
Plain-language readout
JACKSON COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $176M in Q2 2026 and were lowest at $170M in Q1 2026.
Total deposits were highest at $114M in Q2 2026 and lowest at $112M in Q1 2026.
Over the whole period total assets rose 2.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $174M | $113M | $72M | 1.87% | 6.58% | 4.59% |
| Q2 2026 | $176M | $114M | $72M | 1.87% | 6.58% | 4.59% |
| Q1 2026 | $170M | $112M | $72M | 1.83% | 6.46% | 4.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $20.1M | $13.5M | +$6.6M | +48.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $81.3M | $81.7M | -$475K | -0.6% |
| 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) | $71.9M | $72.5M | -$593K | -0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | +$24K | +2.3% |
| Other real estate owned | $10K | $11K | -$1K | -9.1% |
| 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 | $1.5M | $1.4M | +$136K | +10.0% |
| Total assets | $175.9M | $170.2M | +$5.7M | +3.3% |
| Liabilities | ||||
| Total deposits | $113.6M | $111.9M | +$1.7M | +1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $11.9M | $8.4M | +$3.6M | +42.3% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $433K | $654K | -$221K | -33.8% |
| Total liabilities | $126.0M | $121.0M | +$5.0M | +4.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.2M | $1.2M | $0K | 0.0% |
| Surplus | $6.8M | $6.8M | $0K | 0.0% |
| Retained earnings | $42.1M | $41.3M | +$831K | +2.0% |
| Accumulated other comprehensive income | -$251K | -$86K | -$165K | -191.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $49.9M | $49.2M | +$666K | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $514K | $504K | +$10K | +2.0% |
| Adjusted nonperforming assets | $514K | $504K | +$10K | +2.0% |
| Tangible equity plus allowance | $51.9M | $51.2M | +$666K | +1.3% |
| Texas ratio (gross) | 0.99% | 0.98% | +0.01 pts | See points |
| Texas ratio (adjusted) | 0.99% | 0.98% | +0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.99% | 0.98% | +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) | 28.83% | 28.29% | +0.54 pts | See points |
| Construction and land loans to total capital | 3.66% | 2.45% | +1.21 pts | See points |
| Commercial real estate to total capital | 6.24% | 6.95% | -0.71 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.69% | -0.28% | -0.41 pts | See points |
| Liquidity | ||||
| Core deposits | $106.6M | $105.6M | +$980K | +0.9% |
| Non-core funding | $18.9M | $14.7M | +$4.3M | +29.0% |
| Loans to core deposits | 69.31% | 70.51% | -1.20 pts | See points |
| Loans to deposits | 65.03% | 66.55% | -1.51 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 52.83% | 57.48% | -4.65 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $18.9M | $14.7M | +$4.3M | +29.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.1M | $1.0M | +$1.1M | +105.7% |
| Earnings before provision, single quarter | $1.1M | $1.0M | +$58K | +5.7% |
| Provision for credit losses, year to date | $20K | $5K | +$15K | +300.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.19% | 7.13% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.66% | +0.03 pts | See points |
| Total interest income to average assets | 5.01% | 4.96% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.88% | 0.87% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.39% | 0.36% | +0.03 pts | See points |
| Cost of time deposits | 2.89% | 2.76% | +0.13 pts | See points |
| Total interest expense to average assets | 0.63% | 0.59% | +0.04 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 | $174M | $113M | $72M | 1.87% | 6.58% | 4.59% |
| 2026-06-30 | $176M | $114M | $72M | 1.87% | 6.58% | 4.59% |
| 2026-03-31 | $170M | $112M | $72M | 1.83% | 6.46% | 4.60% |
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 | $110.6M | 0.09% | 123 | 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.