Total Assets
$266M
Total balance-sheet footings
FDIC Cert #8118 · Jamestown, Kentucky · Est. 1899
Bank of Jamestown - FDIC Bank Health Profile
A community-scale look at Bank of Jamestown's own numbers, pulled straight from its quarterly FDIC Call Report.
- $266M
- Total assets
- A
- Health grade · Excellent
- 1.35%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Jamestown earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.19% Tier 1, profitable at 1.35% ROA, efficient (52% cost ratio).
- #2,667
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 13.19%
- Tier 1 ratio - above the 10% well-capitalized line
- 67th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Jamestown's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Jamestown's composite health score
Tier 1 Capital Ratio (13.19%) 35/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (0.19%) 20/20
Efficiency Ratio (51.88%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$192M
Customer-funded liabilities
Net Loans
$159M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Jamestown ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Jamestown's score of 87/100 falls in the highlighted band.
Bank of Jamestown's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Jamestown's $266M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.19%
Texas Ratio
0.19%
Equity Capital
$34M
Profitability metrics
Return on Assets (ROA)
67th percentile nationally
1.35%
Return on Equity (ROE)
10.82%
Efficiency Ratio
51.88%
What the numbers say about Bank of Jamestown
Bank of Jamestown is an FDIC-insured institution (Certificate #8118) headquartered in Jamestown, Kentucky, established in 1899. It holds $266M in total assets - 2,667th of 4,313 FDIC-insured banks, $192M in customer deposits, and $159M in net loans. Its capital position: a Tier 1 ratio of 13.19%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.19% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Jamestown sits 68th of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$14M
Interest Income
$777K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Jamestown reports a Texas Ratio of 0.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Jamestown (FDIC Cert #8118) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Bank of Jamestown's health grade?▼
Bank of Jamestown receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Jamestown?▼
Bank of Jamestown holds $266M in total assets and $192M in deposits, ranking 2,667th of 4,313 FDIC-insured banks by asset size. It is headquartered in Jamestown, Kentucky.
Is my money safe at Bank of Jamestown?▼
Yes, deposits at Bank of Jamestown (Certificate #8118) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Jamestown's Tier 1 Capital Ratio?▼
Bank of Jamestown has a Tier 1 Capital Ratio of 13.19%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Jamestown?▼
Bank of Jamestown has a Texas Ratio of 0.19%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Jamestown?▼
Bank of Jamestown has an Efficiency Ratio of 51.88%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Jamestown's profile as a depositor or analyst.
- Bank of Jamestown's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Jamestown against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.