Bank of Jackson County

5381 Cliff Street
Graceville, FL 32440


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, Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 54.06
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

Loan Rates

Your Current Location: Virginia, VA 20146

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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 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% 8.87%

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 March 31, 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% 8.39%

Bank of Jackson County has a Return on Equity of -237.73% versus the BestCashCow average of 8.39%. 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.

Bank of Jackson County U.S. Bank Average
0.02% 11.94%

Bank of Jackson County has a Capitalization of 0.02% versus the BestCashCow average of 11.94%. 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.

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