JSB Financial Inc. (JFWV)

Overview

JSB Financial Inc. serves as the bank holding company for Jefferson Security Bank, which commenced its operations in 1869. From its headquarters in Shepherdstown, West Virginia, the company plays a pivotal role in catering to a wide array of banking needs. It focuses on delivering a comprehensive range of banking products and services to a diverse client base that includes individuals, agricultural businesses, small and medium-sized enterprises, local government entities, and non-profit organizations. Through its long history and commitment to its community, JSB Financial Inc. has established itself as a trusted regional banking institution.

Products and Services

• Deposit Products: JSB Financial Inc. offers a variety of deposit accounts designed to meet the needs of its customers. This includes:

- Checking accounts for daily transactions
- Savings accounts for those looking to earn interest on their deposits
- Money Market accounts that offer higher interest rates
- Individual Retirement Accounts (IRAs) for retirement savings
- Overdraft Protection services to avoid fees and manage their finances efficiently
- Sweep accounts for optimizing interest earned on account balances
- Certificates of Deposit (CDs) for secure, fixed-term investments

• Loan Portfolio: A comprehensive range of loan options is available to support various financial needs:

- Personal and vehicle loans for individual and family needs
- Mortgage loans for homebuyers and real estate investors
- Construction loans for building or renovating properties
- Commercial loans tailored to the needs of businesses for expansion or operational purposes
- Home Equity Loans that allow homeowners to borrow against the equity in their property

• Banking Services: To enhance convenience and manage finances effectively, the bank provides:

- ATM services for easy cash withdrawal and banking transactions
- Online and Mobile Banking services for managing accounts, transferring money, and making payments anytime, anywhere
- Bill Pay services to easily manage and pay bills online
- Paperless Statements for an eco-friendly banking option
- Cash Management services for efficient handling of business finances
- Remote Deposit Capture to deposit checks without visiting a branch
- Merchant services offering payment solutions for businesses
- Credit and Debit Card services to facilitate purchases and transactions globally