Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
JD Bancshares, Inc. is a bank holding company that operates in the community banking industry through its wholly owned subsidiary, JD Bank. The company provides traditional banking and financial services, including commercial and retail banking, mortgage lending, and deposit services, primarily to individuals, small businesses, and local enterprises. Its revenue is largely driven by net interest income from loans and investment securities, as well as non-interest income from service charges and related banking fees.
Founded in 1947 and headquartered in Jennings, Louisiana, the company has evolved from a single local bank into a multi-branch community banking organization serving southwest Louisiana. JD Bancshares is publicly traded on the OTC Markets under the symbol JDVB and positions itself as a relationship-focused bank with deep ties to the local communities it serves, emphasizing personalized service and conservative credit practices.
Business Operations
JD Bancshares conducts all of its business operations through JD Bank, which represents a single reportable operating segment focused on community banking. The bank offers a range of products including commercial and industrial loans, commercial real estate loans, residential mortgages, agricultural lending, consumer loans, and demand, savings, and time deposit accounts. Revenue generation is primarily domestic, with no material international operations reported.
The company’s operations are supported by internally managed banking systems and standard financial technologies used for lending, deposit management, and electronic banking services. JD Bancshares does not report any material joint ventures or non-banking subsidiaries, and its operating model remains focused on organic growth within its existing community banking footprint.
Strategic Position & Investments
JD Bancshares’ strategic direction emphasizes organic growth, disciplined credit underwriting, and expansion of customer relationships within its existing markets. Management has historically focused on balance sheet strength, local market knowledge, and maintaining strong capital and liquidity positions rather than pursuing large-scale acquisitions or diversification into non-core financial services.
The company has not disclosed significant recent acquisitions or investments in emerging financial technologies beyond incremental enhancements to digital banking capabilities. Based on available public disclosures, JD Bancshares remains concentrated on traditional banking services, and data inconclusive based on available public sources regarding material investments in fintech, non-bank financial services, or broader portfolio companies.
Geographic Footprint
JD Bancshares operates exclusively in the United States, with its headquarters in Louisiana. Through JD Bank, the company maintains branch locations concentrated in southwest Louisiana, serving both rural and small urban markets. Its presence spans multiple parishes in the region, reflecting a localized market strategy rather than statewide or national expansion.
The company does not report any international operations, foreign branches, or overseas investments. Its geographic footprint and operational influence are intentionally limited, aligning with its identity as a community-focused banking institution serving specific local economies.
Leadership & Governance
JD Bancshares is led by an executive team with long-standing experience in community banking and regional financial services. The leadership philosophy emphasizes conservative financial management, local decision-making, and sustained relationships with customers and communities.
Key executives include:
- Jimmy M. Rinaldi – President and Chief Executive Officer
- James M. Rinaldi – Chairman of the Board
- Dennis J. Skains – Chief Financial Officer
Information regarding additional executive officers or succession planning is limited in publicly available disclosures, and data inconclusive based on available public sources for a more extensive executive listing beyond those noted above.