Bank · FDIC insured
Jefferson Security Bank
A $566.1M bank headquartered in Shepherdstown, WV, with 6 branches in 2 states. Best rates: CDs 3.96% and savings 0.10% APY.
Jefferson Security Bank Carrot Score
70
Carrot Score
Higher than 25% of U.S. banks and credit unions
#88 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Jefferson Security Bank
Formed and opened for business in 1869 as Jefferson Savings Bank, Jefferson Security Bank is a West Virginia state-chartered bank that adopted its current name in 1909.
The bank provides general banking services across its primary market of Jefferson and Berkeley counties in West Virginia and secondary markets in Washington County, Maryland, and Frederick County, Virginia.
- Headquarters
- 105 E Washington St, Shepherdstown, WV 25443
- FDIC certificate
- 9997 ↗
Branches
6 branches in 2 states
Loading map…
West Virginia
5 branches
Washington area · 3
- Jefferson Security BankMain office105 E Washington St, Shepherdstown, WV 25443Directions
- Charles Town Branch873 E Washington St, Charles Town, WV 25414Directions
- Barron Office Branch7994 Martinsburg Pike, Shepherdstown, WV 25443Directions
Hagerstown area · 2
- South Berkeley Branch277 Mineral Drive, Inwood, WV 25428Directions
- Edwin Miller Boulevard Branch1487 Edwin Miller Blvd, Martinsburg, WV 25404Directions
Maryland
1 branch
- Sharpsburg Office Branch103 W Main St, Sharpsburg, MD 21782Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.01% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio8.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Jefferson Security Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.