Jefferson Security Bank: how it compares with its peers
Against 18 WV banks with half to twice its assets, Jefferson Security Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (3.51% vs. 4.02%).
| Measure | Jefferson Security Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.25% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.51% | 4.02% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.24% | 61.90% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.3M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.81% | 85.35% | Context |
What it means for lending operations
Its efficiency ratio of 64.24% is above the 61.90% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Huntington Federal Savings Bank Huntington, WV · $532M
- Hancock County Savings Bank, F.S.B. Chester, WV · $508M
- The Poca Valley Bank, Inc. Walton, WV · $666M
- Freedom Bank, Inc. Belington, WV · $430M
- Putnam County Bank Hurricane, WV · $704M
- Highlands Bank Petersburg, WV · $407M
Questions about Jefferson Security Bank
How big is Jefferson Security Bank?
Jefferson Security Bank, established in 1869, is headquartered in Shepherdstown, WV. It reported $566M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Jefferson Security Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.25% median for 18 WV banks with half to twice its assets, ahead of 33% of them.
What is Jefferson Security Bank's efficiency ratio?
64.24% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 61.90%, and lower is better.
Is Jefferson Security Bank growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 3.9%.
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 WV 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 West Virginia bank ranked.