At a glance
From its website, read 2 Nov 2026JD Bank is a bank or thrift based in Jennings, Louisiana. Its website describes farm loans, auto loans, home repair loans and 3 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | jdbank.com |
| Office (official list) | 507 N. Main St., Jennings, LA 70546 |
What their website says about applying
Apply at a Branch
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | 10-year term | source |
| Home mortgages | Term: see their wording | spread your home loan over a 30-year terms to lower your monthly payment or pay it off faster with a 10-, 15- or 25-year term. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Sep 2026 |
| RSSD ID | 980531 |
| Address | 507 N. Main St., Jennings, LA 70546 Directions (Google Maps) |
| Website | jdbank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Mortgage, auto, personal and business loan pages were fetched; loan amounts are stated only for the HELOC minimum. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | We specialize in customizing land and farm loans, equipment financing, operating loans and lines of credit. | source |
| Auto / vehicle loans | — | Get pre-qualified for new or used auto financing to boost your bargaining power at the dealership. | source |
| Home repair / improvement loans | — | Fund your home improvement project without depleting (or even touching) your home equity. | source |
| Home mortgages | — | Whether you're ready to purchase your first home, refinance your current mortgage or downsize, we're here for you. | source |
| Personal / consumer loans | — | Need financing for personal expenses? JD Bank is a trusted, established Louisiana lending resource for secured and unsecured consumer loans. | source |
| Small-business loans | — | Whether you're just starting out or ready to expand, you'll need funding to achieve your business goals. | source |
Loan sizes
$10,000 minimum loan amount
source
Service area
Not stated on the pages we read.
Borrower focus
- Farmers / ranchers
With decades of experience helping farmers, ranchers and others in the agricultural business
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as JD Bank (FDIC cert 16546). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.3 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 25 (as of 30 Oct 2026) |
Offices by state and county (25)
Louisiana (25 offices)
- Allen Parish (1): 438 N 9th St, Kinder 70648
- Calcasieu Parish (10): 428 S Kinney St, Iowa 70647; 119 W Sale Rd, Lake Charles 70605; 120 Sam Houston Pkwy, Lake Charles 70611; 2726 Gerstner Memorial Dr, Lake Charles 70601; 4400 Nelson Rd, Lake Charles 70605; 4989 E Mcneese St, Lake Charles 70607; 535 Kirby St, Lake Charles 70601; 2905 Maplewood Dr, Sulphur 70663; 4507 Highway 27 S, Sulphur 70665; 1511 Sampson St, Westlake 70669
- East Baton Rouge Parish (2): 8380 Jefferson Hwy, Baton Rouge 70809; 9026 Jefferson Hwy Ste 402, Baton Rouge 70809
- Evangeline Parish (2): 609 Main St, Mamou 70554; 1311 W Lasalle St, Ville Platte 70586
- Iberia Parish (1): 529 N Lewis St, New Iberia 70563
- Jefferson Davis Parish (3): 507 N Main St, Jennings 70546 (main office); 338 Arthur Ave, Lake Arthur 70549; 101 N Adams St, Welsh 70591
- Lafayette Parish (3): 300 Verot School Rd, Lafayette 70508; 3600 Johnston St, Lafayette 70503; 603 Silverstone Rd, Lafayette 70508
- St. Landry Parish (2): 300 Park Ave, Eunice 70535; 1614 S Union St, Opelousas 70570
- St. Tammany Parish (1): 1409 W Causeway Approach, Mandeville 70471
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by JD Bank (RSSD 980531, FDIC cert 16546). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $780.5 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 1.7% from $767.3 million on 30 Jun 2025 |
| Total assets | $1.26 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $159.6 million | 20.4% |
| Home equity lines of credit | $33.8 million | 4.3% |
| Commercial real estate, construction and multifamily | $472 million | 60.5% |
| Commercial and industrial (business) loans | $66.9 million | 8.6% |
| Farmland and farm production loans | $17.8 million | 2.3% |
| Consumer loans (credit cards, auto, other) | $30.2 million | 3.9% |
| All other loans and leases | $306,000 | <0.1% |
Within consumer loans: auto loans $10 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 370 loans $16.2 million | 620 loans $8.8 million |
| $100,001 to $250,000 | 238 loans $32 million | 81 loans $6.4 million |
| $250,001 to $1 million | 223 loans $94.2 million | 56 loans $10 million |
| All small business loans | 831 loans $142.4 million | 757 loans $25.2 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 29 loans $1.2 million | 45 loans $701,000 |
| $100,001 to $250,000 | 21 loans $226,000 | 7 loans $849,000 |
| $250,001 to $500,000 | 14 loans $3.3 million | 5 loans $460,000 |
| All small farm loans | 64 loans $4.6 million | 57 loans $2 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025JD Bank reported 170 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $26.1M (median loan about $75,000). 59 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 59 | 35% |
| Refinance (incl. cash-out) | 90 | 53% |
| Home improvement | 15 | 8.8% |
| Other purpose | 6 | 3.5% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 170 | 100% |
Included above: 43 loans on manufactured homes; 19 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 24 counties with at least one; 96% of its 2025 loans were for properties in Louisiana:
- Calcasieu Parish, LA (68)
- St. Landry Parish, LA (17)
- Iberia Parish, LA (16)
- Lafayette Parish, LA (16)
- Jefferson Davis Parish, LA (10)
- Acadia Parish, LA (7)
- East Baton Rouge Parish, LA (7)
- Evangeline Parish, LA (5)
Filed under LEI 549300RO0FORROX83086 as “JD BANK”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.26 billion | Larger than 97% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 62% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $767.3 million → $780.5 million (+2%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 170 | More than 63% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 97% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 3 → 3 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 63% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 2 SBA-backed approvals for JD Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 2 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 1 · FY2024 1 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (2, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “JD Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. JD Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Jennings and Louisiana
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
- Bank Of Sunset & Trust CompanyBank or thrift · Sunset, LAAuto / vehicle loans, Commercial real estate loans, Home repair / improvement loans, Home mortgages…Verified
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