Question 1

What is Jackson County Bank (Indiana)?

Accepted Answer

Jackson County Bank, known as JCBank, is a state-chartered community bank serving south-central Indiana since 1900. With over $1 billion in total assets, JCBank operates 14 full-service banking centers across seven counties including Bartholomew, Decatur, Jackson, Jennings, Johnson, Lawrence, and Monroe. The bank is a subsidiary of Bancorp of Southern Indiana (BSI), a privately-held one-bank holding company with over 400 stockholders.

JCBank provides comprehensive personal and business banking services, treasury management solutions, and wealth management services through its trust and brokerage divisions to individuals, businesses, and communities throughout the region.

Question 2

When was Jackson County Bank (Indiana) founded?

Accepted Answer

Jackson County Bank was founded on May 1, 1900, when it opened as The Jackson County Loan and Trust Company at 9 North Chestnut Street in Seymour, Indiana. The bank was established with a state charter and capital stock of $25,000 by 28 founding shareholders who elected seven directors and hired five bank officers.

The bank quickly outgrew its first location and purchased a building at the corner of Second and Chestnut streets in Seymour for $20,000 in 1922. The institution officially changed its name to Jackson County Bank in 1953. In 1970, with total assets exceeding $22 million, the bank constructed a new building at 125 South Chestnut Street, which remains the Main Banking Center today.

Bancorp of Southern Indiana was formed on October 15, 1982, as a one-bank holding company to hold 100% of the common stock of Jackson County Bank. The bank celebrated its 125th anniversary in 2025.

Question 3

Where is Jackson County Bank (Indiana) headquartered?

Accepted Answer

Jackson County Bank is headquartered in Seymour, Indiana, located in Jackson County in the south-central part of the state. Seymour became a significant banking center after north-south and east-west railroads intersected there around 1852.

Question 4

Where does Jackson County Bank (Indiana) operate?

Accepted Answer

JCBank operates 14 banking centers across seven counties in south-central Indiana: Jackson, Bartholomew, Decatur, Jennings, Johnson, Lawrence, and Monroe. Major market locations include Seymour (headquarters and multiple branches), Columbus, Bloomington, Bedford, North Vernon, Brownstown, Scottsburg, Greensburg, and Edinburgh.

The bank began expanding beyond Jackson County in the late 1980s and 1990s, establishing loan production offices (Banco Financial Services) that gradually transitioned into full-service banking centers. The North Vernon location, originally opened as a loan office in 1995, became a full-service center in January 2019. Most recently, JCBank opened a new 4,200-square-foot state-of-the-art branch in Greensburg in December 2023.

Question 5

What services does Jackson County Bank (Indiana) offer?

Accepted Answer

JCBank offers a broad range of personal banking services including checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, consumer loans, residential mortgages, and credit cards. The bank operates supermarket banking centers and provides extensive ATM access throughout its service area.

Commercial banking services include business checking and savings accounts, commercial loans, treasury management solutions, and specialized services for businesses and municipalities. JCBank introduced Investor Services in 1996, providing trust and brokerage services for wealth management and investment advisory needs.

Digital banking services include online banking, mobile banking apps with remote deposit capture, bill pay, electronic statements, and wire transfer capabilities. The bank maintains a strong focus on financial education and community engagement through partnerships with local organizations.

Question 6

What makes Jackson County Bank (Indiana) unique?

Accepted Answer

JCBank distinguishes itself through 125 years of continuous service built on the vision and principles established by its 28 founding shareholders in 1900. These foundational principles of community focus, trust, and advancement remain central to the bank's operations today.

The bank has successfully expanded from a single location in Seymour to 14 locations across seven counties while maintaining its community bank character and local decision-making. JCBank is broadly held by over 400 private stockholders, many of whom are local community members with a vested interest in the region's prosperity.

JCBank actively supports community development through financial contributions, volunteer service, and partnerships with local organizations. The bank's recent expansion demonstrates its commitment to growth while preserving the relationship-based banking model that has defined its success for more than a century.

Question 7

What type of financial institution is Jackson County Bank (Indiana)?

Accepted Answer

Jackson County Bank is a state-chartered commercial bank supervised by the FDIC and the Indiana Department of Financial Institutions. The bank operates as a traditional community bank with commercial lending capabilities, serving both retail customers and commercial clients.

As a subsidiary of a privately-held bank holding company with broad local ownership, JCBank maintains independence from large regional or national banking organizations, allowing it to focus on the specific needs of south-central Indiana communities while offering the comprehensive services typically associated with larger institutions.

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About Jackson County Bank (Indiana) in the United States