JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft and sweep protection, and certificates of deposit, as well as cash management solutions. The company's loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans, as well as loans to small businesses. It also offers online and mobile banking, bill pay, cash management, remote deposit capture, merchant, and credit and debit card services. The company provides its services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. The company was founded in 1869 and is headquartered in Shepherdstown, West Virginia.