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JSB Financial Inc. reports developments tied to its role as the bank holding company for Jefferson Security Bank, an independent community bank serving customers through offices in Berkeley County and Jefferson County, West Virginia, and Washington County, Maryland. News commonly covers quarterly and annual earnings, net interest income, loan portfolio growth, core deposit trends, asset quality, liquidity, book value, and returns on average assets and equity.
The company's updates also include semi-annual common stock dividend declarations and commentary on Jefferson Security Bank's community banking activities for individuals, businesses, municipalities, and community organizations. Its recurring disclosures center on commercial real estate lending, residential real estate lending, interest-earning deposits, investment securities, and credit-quality measures.
JSB Financial (OTCID: JFWV) declared a semi-annual cash dividend of $1.55 per share on its common stock. This implies a 2026 annual dividend of $3.00 per share, up $0.40 or 15.4% from $2.60 in 2025. The dividend is payable on September 11, 2026 to shareholders of record as of August 31, 2026.
JSB Financial (OTC: JFWV) reported unaudited net income of $1.6 million for Q2 2026, up 65.0% from $987 thousand in Q2 2025, with diluted EPS rising to $6.33 from $3.83. Six‑month 2026 net income was $2.8 million, up 61.3% from $1.7 million, and diluted EPS increased to $10.72 from $6.65.
Net interest income for Q2 2026 grew 30.2% to $5.0 million, while net interest margin expanded to 3.66% from 2.94%. Noninterest income rose to $736 thousand and noninterest expense to $3.6 million. At June 30, 2026, total assets were $566.1 million, loans $411.8 million, deposits $522.4 million and shareholders’ equity $39.2 million, with book value per share at $152.27. Asset quality metrics and regulatory capital ratios remained strong, and on‑ and off‑balance sheet liquidity exceeded $267.4 million.
JSB Financial (OTCID: JFWV) reported Q1 2026 net income of $1.1 million, up 56.3% from Q1 2025; EPS $4.40 vs $2.81. Quarterly net interest income was $4.5 million and NIM 3.32%. Total assets were $577.6 million; loans $406.6 million; deposits $535.7 million.
JSB Financial (OTCID: JFWV) declared a semi-annual cash dividend of $1.45 per share, a 7% increase from the prior semi-annual dividend of $1.35 per share. The dividend is payable March 13, 2026 to shareholders of record as of March 2, 2026.
JSB Financial (OTCID: JFWV) reported 2025 consolidated net income of $4.2M, up 1.5% year-over-year, and Q4 2025 net income of $1.3M, up 96.1% year-over-year. Book value per share rose 22% to $142.76 and shareholders' equity increased 22.3% to $36.8M.
Loans grew 6.2% to $401.8M, deposits rose to $518.9M, net interest margin expanded to 2.98%, and the company raised its annual dividend to $2.60 per share.
JSB Financial (OTCID: JFWV) reported unaudited Q3 2025 net income of $1.1 million, down $835 thousand from Q3 2024, with basic EPS $4.40 versus $7.64 a year earlier. Excluding notable 2024 recoveries, pre-tax income rose to $1.4 million in Q3 2025 from $960 thousand in Q3 2024. Year-to-date net income was $2.8 million vs $3.4 million in 2024.
Key balance-sheet items: total assets $554.8M, net loans $394.4M (+4.7% YoY), deposits $513.3M, and book value per share $134.09. Tier 1 leverage was 8.02%. Management declared a semi-annual dividend of $1.35 per share (annualized $2.60).
JSB Financial Inc. (OTCID: JFWV), the parent company of Jefferson Security Bank, has announced a semi-annual cash dividend of $1.35 per share. The dividend will be paid on September 12, 2025 to shareholders of record as of September 2, 2025.
This represents an increase from the previous semi-annual dividend, bringing the total annual dividend to $2.60 per share for 2025, an 8.3% increase from the $2.40 per share paid in 2024.
JSB Financial Inc. (OTCID: JFWV) reported strong Q2 2025 financial results with unaudited net income of $987,000, up 24.8% year-over-year. The company achieved earnings per share of $3.83, compared to $3.07 in Q2 2024.
Key highlights include net interest income of $3.8 million (up 17.5% YoY), record-level net loans of $391.2 million (up 4.6% YoY), and improved net interest margin of 2.85%. Total deposits reached $502.9 million, with noninterest-bearing deposits representing 26.5% of total deposits. Asset quality remained strong with nonperforming loans at just 0.15% of total loans.
The bank maintained strong capital ratios, with a Tier 1 capital ratio of 7.89% and total risk-based capital ratio of 13.88%, well above regulatory requirements for well-capitalized institutions.
JSB Financial (OTC Pink: JFWV) has announced a semi-annual cash dividend of $1.25 per common share, representing a $0.05 increase from the previous dividend of $1.20 paid in September 2024. The dividend will be payable on March 14, 2025 to shareholders of record on March 3, 2025. The dividend increase was approved by the Board of Directors at their February 19, 2025 meeting.