JFWVJSB Financial Inc.

About JSB Financial Inc. (JFWV)

JSB Financial Inc. (JFWV) is a Banks - Regional company headquartered in Shepherdstown, WV, United States whose shares trade over-the-counter on the Pink tier.

JSB Financial Inc. ("JFI", the "Company") is a holding company incorporated in West Virginia on July 31, 2023. The Company through its wholly owned subsidiary, Jefferson Security Bank (the "Bank") provides general banking services in Jefferson County and Berkeley County, West Virginia, Washington County, Maryland and the surrounding areas. Jefferson Security Bank is a West Virginia state-chartered bank that was formed and opened for business on May 19, 1869, making it the oldest operating corporation and bank in the state of West Virginia. The Bank serves individuals, businesses, local municipalities, community organizations and entrepreneurial efforts within its target markets. JFI also owns JSB Financial Services, LLC, an inactive subsidiary previously used for offering financial services.

Products and services

JSB Financial Inc. through its wholly owned subsidiary, Jefferson Security Bank, provides a full range of banking services to individuals, agricultural businesses, commercial businesses, local government entities and non-profit organizations through its five full-service retail banking offices and one drive-thru banking office located throughout its market area. It maintains a diversified loan portfolio, including loans to individuals for home mortgages, automobiles and personal expenditures, and loans to business enterprises for current operations and expansion. The Bank offers a variety of deposit products, including checking, savings, money market, individual retirement accounts and certificates of deposit. OTHER SERVICES • Safe Deposit Box Rental • Remote Deposit Anywhere (mobile check deposit) • Notary Public • Remote Deposit Capture • Night Deposit Banking • Mail Banking • Telephone Banking • Online Banking • Mobile Banking • Bill Pay, including person to person transfers • Online payment portal for JSB loan and credit card payments • Commercial Cash Management

JFWV key facts

Ticker symbol

JFWV

Market tier

Pink

Sector

Financial Services

Industry

Banks - Regional

Headquarters

Shepherdstown, WV, United States

Country of incorporation

US

Year of incorporation

2023

Employees

79

Estimated market cap

$24.91M (as of Apr 16, 2025)

Shares outstanding

257,483

Reporting standard

U.S. Reporting: Bank/Thrift

Audit status

Audited

Fiscal year end

12/31

Latest filing

Annual Report (Dec 31, 2024)

JSB Financial Inc. leadership

• Cindy Kitner — CEO, President
• Jenna Kesecker — CFO, EVP
• Dustin Branner — EVP, Loans
• Michael Sholl — Controller, Vice President

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