Jackson County Bank

Mc Kee, KentuckyFDIC Cert #291

STATEEstablished 19043 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$2.18M
Investor CRE	$2.31M
Multifamily	$0
Construction	$1.26M
1–4 family	$30.4M
C&I	$1.56M
Agriculture	$25M
Other	$11.8M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$74.5M

+2.3%y/y

Percentile by value19th percentileby value

FDICLNLSGR

Net loans

$72.5M

+2.3%y/y

Percentile by value18th percentileby value

FDICLNLSNET

Loans YoY

+2.33%

+180.7%y/y

Percentile by value33rd percentileby value

FDICLNLSNET

L/D

64.8%

+6.0%y/y

Percentile by value31st percentileby value

FDICLNLSNET + DEP

Loans/assets

42.6%

+6.7%y/y

Percentile by value12th percentileby value

FDICLNLSNET + ASSET

RE loans %

80.83%

+2.6%y/y

Percentile by value50th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,736points

+1.5%y/y

Peer standing37th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

2.92%

+32.9%y/y

Percentile by value20th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

3.10%

+4.4%y/y

Percentile by value26th percentileby value

FDICLNRENROT + LNLSGR

C&I %

2.09%

−15.2%y/y

Percentile by value10th percentileby value

FDICLNCI + LNLSGR