About Us

We're Committed to Extraordinary Service

Mission Statement & Philosophy

Mission Statement
Fulfilling customers' dreams and goals is our job; building value for shareholders, employees, customers and communities is our responsibility.

In providing a full range of traditional banking services and other relevant services to our customers, we are guided by core values which are at the HEART of our organization; we are known and set apart by "Extraordinary Service."

Proud of Our Long Tradition of Extraordinary Service

The Jackson County Loan and Trust Company was opened in 1900 with an initial capital of $25,000. For more than 100 years, Jackson County Bank, or JCB as it has come to be known, has not only held fast to the values upon which it was founded, it has grown to serve multiple counties and to assets of over $625 million.

The success and growth of this institution is a direct result of JCB’s commitment to provide and support extraordinary products and services which meet and exceed our customers’ expectations. We will continue to thrive and evolve by being attentive to enhancing the value of our stockholders’ investment, by offering convenient locations, embracing technological advances in the banking industry, preserving the values and philosophies upon which we were founded and giving back to the communities that we serve.

JCB Celebrates 120 Years!

JCB's Core Values

JCB is Committed to Providing Extraordinary Service.

Five core values are at the heart of our commitment to our stockholders, our employees, our customers and the communities we serve. These five core values are honesty, encouragement, accountability, respect and teamwork. Together, they form the HEART of JCB.

JCB's Core Values:


Our team members and JCB customers rely on us to always choose the path of honesty and to follow through in a forthright, direct, clear, complete and sincere manner.


To succeed, to excel, and to make the very best of every situation requires the continuing encouragement of each other and JCB customers.


At JCB, we have an obligation and a willingness to accept responsibility for all our actions-every hour of every day.


Every individual is important; our actions define our respect for all of our fellow team members and JCB customers.


Together, all members of JCB work as a team, putting aside our personal priorities, in order to achieve our common goal.

JCB's Senior Leaders

Possessing rich and diverse industry knowledge, JCB's senior leadership team delivers an unprecedented level of commitment and value to our customers and shareholders. Select a photo for contact information.

1 Veatch Marvin - Web

Marvin S. Veatch

President, Bancorp of Southern Indiana, President and CEO of JCB

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Marvin S. Veatch
2 Key Chad - Web

Chad A. Key

SVP, Chief Financial Officer

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Chad A. Key
3 Anderson Dan - Web

Dan Anderson

SVP, Chief Wealth Management Officer

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Dan Anderson
4 Applewhite Andy - Web

Andy Applewhite

SVP, Chief Mortgage & Consumer Lending Officer

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Andy Applewhite
5 Jaynes Mary Ellen - Web

Mary Ellen Jaynes

SVP, Chief Credit Administration Officer

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Mary Ellen Jaynes
6 Miller Curtis - Web

Curtis Miller

SVP, Chief Information Systems Officer

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Curtis Miller
7 Nolting Jeff - Web

Jeff Nolting

SVP, Chief Banking Officer

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Jeff Nolting
8 Yarnell Melodie - Web

Melodie Yarnell

SVP, Chief Risk & Management Services Officer

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Melodie Yarnell