Bank of Jamestown: how it compares with its peers
Against 64 KY banks with half to twice its assets, Bank of Jamestown's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.59% vs. 4.03%).
| Measure | Bank of Jamestown | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.43% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 4.03% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.32% | 59.51% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.1M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.89% | 83.10% | Context |
What it means for lending operations
Its efficiency ratio of 55.32% is better than the 59.51% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Hindman Hindman, KY · $260M
- FIRST NATIONAL BANK OF KENTUCKY Carrollton, KY · $258M
- Citizens Bank Mount Vernon, KY · $250M
- Farmers Bank and Trust Company Princeton, KY · $248M
- Lewisburg Banking Company Lewisburg, KY · $246M
- First Federal Savings Bank of Kentucky Frankfort, KY · $283M
Questions about Bank of Jamestown
How big is Bank of Jamestown?
Bank of Jamestown, established in 1899, is headquartered in Jamestown, KY. It reported $264M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Jamestown's return on assets?
1.24% annualized in Q2 2026, against a 1.43% median for 64 KY banks with half to twice its assets, ahead of 42% of them.
What is Bank of Jamestown's efficiency ratio?
55.32% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 59.51%, and lower is better.
Is Bank of Jamestown growing its loans?
Net loans shrank 1.7% over the year to Q2 2026, while deposits grew 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.