Bank of Jackson County

5381 Cliff Street
Graceville, FL 32440

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14794
Date Established 1934
Assets $0.02 billion
Loans $0.01 billion
Deposits $0.02 billion
Capital $0.00 billion

Bank of Jackson County is an FDIC insured institution located in Graceville, FL. It was founded in 1934 and has approximately $0.02 billion in assets.

For a more detailed analysis of Bank of Jackson County's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Jackson County’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Florida, Bank of Jackson County has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 54.06
Multifamily
Mortgages
1.74
Credit Card Loans 0.00
Consumer Auto Loans 2.77
Small Business Loans 20.19
Construction and Development Loans 7.57
Commercial Real Estate 20.19
Commercial and Industrial Loans 5.47
Farm Loans 3.83

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Jackson County, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Jackson County

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $628 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More
Flagstar Bank 4.990% $268.11 Learn More

Note to Bank of Jackson County
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Branches

Bank of Jackson County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Jackson County Locations

Financial Details

Bank of Jackson County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Jackson County. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Jackson County U.S. Bank Average
398.01% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Jackson County had $1,380,000 in non-current loans and $1,816,000 in owned real estate. To cover these potential losses it had $6,000 in equity and $797,000 in loans loss reserves. That gives it a Texas Ratio of 398.01%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Jackson County U.S. Bank Average
-237.73% 8.58

Bank of Jackson County has a Return on Equity of -237.73% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Jackson County U.S. Bank Average
0.02% 12.11

Bank of Jackson County has a Capitalization of 0.02% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Jackson County Balance Sheet Analysis

As of September 30, 2013, Bank of Jackson County had assets of $24,724,000, loans of $14,788,000, and deposits of $24,591,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank of Jackson County

Branches and Savings

Is Bank of Jackson County FDIC insured?

Yes. It is covered under FDIC Certificate #14794.

Why does Bank of Jackson County pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank of Jackson County CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank of Jackson County a commercial bank?

Yes

Where are Bank of Jackson County locations?

See branch locations nearby.

Is Bank of Jackson County open on Saturdays?

Is Bank of Jackson County open on Sundays?

What time does Bank of Jackson County open?

What time does Bank of Jackson County close?

Are Bank of Jackson County ATMs Open 24/7?

Do Bank of Jackson County ATMs accept cash deposits?

Can Bank of Jackson County customers use other ATMs?

Do Bank of Jackson County branches have notaries?

Will Bank of Jackson County notarize my document?

What address for Bank of Jackson County should I put for incoming ACH transfers?

Will the Bank of Jackson County branch print checks?

Do Bank of Jackson County checks expire?

Does Bank of Jackson County require US citizenship to open account?

Can Bank of Jackson County close my account?

Does Bank of Jackson County Report to credit bureaus?

Does Bank of Jackson County Use Equifax?

What is Bank of Jackson County's ACH Routing Number?

What is Bank of Jackson County's SWIFT code?

Products

Does Bank of Jackson County offer mortgages?

Compare mortgage rates here.

Does Bank of Jackson County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Jackson County offer personal loans?

Compare personal loan rates here.

Does Bank of Jackson County offer student loans?

Will Bank of Jackson County cash a check?

Will Bank of Jackson County redeem a savings bond?

Does Bank of Jackson County cash savings bonds?

Will Bank of Jackson County cash money orders?

Can Bank of Jackson County issue a money order?

Does Bank of Jackson County do currency exchange?

Background on The Bank

Who owns Bank of Jackson County?

How long has Bank of Jackson County been around?

Can Bank of Jackson County transfer to other banks?

Does Bank of Jackson County have quick pay?

Does Bank of Jackson County accept rolled coins?

Will Bank of Jackson County accept loose change?

Where is Bank of Jackson County headquarters?

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