FDIC Cert #13109 · Seymour, Indiana · Est. 1900

Jackson County Bank - FDIC Bank Health Profile

A community-scale look at Jackson County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
C
Health grade · Fair
0.85%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Jackson County Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.90% Tier 1, 0.85% ROA, 73% efficiency ratio.

#985
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
10.90%
Tier 1 ratio - above the 10% well-capitalized line
33rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 13109 · IN C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3627/4307
  • PHOTO-FINISH First Western Bank · AR
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 5.5% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: First Western Bank, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Jackson County Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Western Bank · AR · ne…62/100Jackson County Bank · IN · t…62/100Mayville State Bank · MI · n…62/100Oakwood Bank · WI · near62/100Trinity Capital Bank… · TX ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Jackson County Bank · July 2026

What Jackson County Bank's Call Report plate shows

Jackson County Bank (FDIC Cert #13109) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,627 of 4,307. Tier 1 capital prints at 10.90%, clearing the 10% well-capitalized line. The Texas Ratio is 5.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $1.1B, 985th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Western Bank (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Jackson County Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Jackson County Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Jackson County Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Jackson County Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Jackson County Bank's composite health score
Tier 1 Capital Ratio (10.90%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (5.50%) 16/20
Efficiency Ratio (72.93%) 4/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$843M

Customer-funded liabilities

Net Loans

$870M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.5% 10.9% 12.3%
Basel III capital ratios - Jackson County Bank

Where Jackson County Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Jackson County Bank's score of 62/100 falls in the highlighted band.

Jackson County Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 16th percentile higher than 16% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Jackson County Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Jackson County Bank'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). Jackson County Bank's $1.1B falls in the highlighted band.

Safety ratios for Jackson County Bank

Tier 1 capital ratio
Well-capitalized 10%

10.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.90%
Texas Ratio
5.50%
Equity Capital
$89M

What these ratios mean →

Profitability metrics: Jackson County Bank

Return on Assets (ROA)
33rd percentile nationally
0.85%
Return on Equity (ROE)
10.25%
Efficiency Ratio
72.93%

What these mean →

Income & expense at Jackson County Bank

$55M
Interest Income
$13M
Non-Interest Income
$34M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Jackson County Bank reports a Texas Ratio of 5.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Jackson County Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Indiana so the neighborhood is not state containment.

Bank of Wisconsin Dells $1.1B · WI Partners Bank of New England $1.1B · ME The Freedom Bank of Virginia $1.1B · VA Generations Bank $1.1B · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Jackson County Bank (FDIC Cert #13109) - 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.

Jackson County Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%