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   <title>Jeff Bank receives approval to convert to national charter</title>
   <link>http://www.streetinsider.com/Corporate+News/Jeff+Bank+receives+approval+to+convert+to+national+charter/26628391.html</link>
   <description>&lt;p&gt;Jeffersonville Bancorp Inc. (OTCQB: JFBC) announced that its subsidiary Jeff Bank received approval from the Office of the Comptroller of the Currency on May 28 to convert from a New York State charter to a national charter. The bank will operate under the name Jeff Bank, National Association following the conversion.&lt;/p&gt;&lt;p&gt;The bank has six months from the approval date to implement the charter conversion. The company stated the conversion will not significantly impact the bank's current activities or investments, and customer loan and deposit account terms will remain unchanged.&lt;/p&gt;&lt;p&gt;&quot;We believe the conversion to a national charter will streamline the supervisory</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Press+Releases/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Press+Releases/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Press+Releases/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Press+Releases/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Globe+Newswire/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Globe+Newswire/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Globe+Newswire/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeff Bank to Convert to National Charter and Change Name to Jeff Bank, National Association</title>
   <link>http://www.streetinsider.com/Globe+Newswire/Jeff+Bank+to+Convert+to+National+Charter+and+Change+Name+to+Jeff+Bank%2C+National+Association/26628387.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., June  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) (the “Company”), the holding company for Jeff Bank (the “Bank”), announced today that on May 28, 2026, the Bank was approved by the Office of the Comptroller of the Currency (the “OCC”) for conversion from a New York State to a national charter, at which time the Bank will operate under the name “Jeff Bank, National Association”. The Bank has six months from the date of approval to implement the conversion.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;The Company expects that the charter conversion will not have</description>
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   <title>Jeffersonville Bancorp (JFBC) Tops Q1 EPS by 77c</title>
   <link>http://www.streetinsider.com/Earnings/Jeffersonville+Bancorp+%28JFBC%29+Tops+Q1+EPS+by+77c/26478658.html</link>
   <description>&lt;p&gt;Jeffersonville Bancorp (OTC: JFBC) reported Q1 EPS of $0.77.&lt;/p&gt;&lt;p&gt;For earnings history and earnings-related data on Jeffersonville Bancorp (JFBC) &lt;a href=&quot;http://www.streetinsider.com/ec_earnings.php?q=JFBC&quot;&gt;click here&lt;/a&gt;.&lt;/p&gt;</description>
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   <pubDate>Tue, 12 May 2026 16:34:58 -0400</pubDate>
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   <title>Jeffersonville Bancorp (JFBC) Declares $0.20 Quarterly Dividend; 2.9% Yield</title>
   <link>http://www.streetinsider.com/Dividends/Jeffersonville+Bancorp+%28JFBC%29+Declares+%240.20+Quarterly+Dividend%3B+2.9%25+Yield/26475255.html</link>
   <description>&lt;p&gt;Jeffersonville Bancorp (OTC: JFBC) declared a quarterly dividend of $0.20 per share, or $0.8 annualized.&lt;/p&gt;&lt;p&gt;The dividend will be payable on June 4, 2026, to stockholders of record on May 26, 2026, with an ex-dividend date of May 22, 2026.&lt;/p&gt;&lt;p&gt;The annual yield on the dividend is 2.9 percent.&lt;/p&gt;&lt;p&gt;For a dividend history and other dividend-related data on Jeffersonville Bancorp (JFBC) &lt;a href=&quot;http://www.streetinsider.com/dividend_history.php?q=JFBC&quot;&gt;click here&lt;/a&gt;.&lt;/p&gt;</description>
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   <pubDate>Tue, 12 May 2026 10:30:35 -0400</pubDate>
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   <title>Jeffersonville Bancorp Announces First Quarter Earnings of $3,282,000 or $0.77 per share; Increases Quarterly Dividend by 33.33% to $0.20 from $0.15 per share</title>
   <link>http://www.streetinsider.com/Press+Releases/Jeffersonville+Bancorp+Announces+First+Quarter+Earnings+of+%243%2C282%2C000+or+%240.77+per+share%3B+Increases+Quarterly+Dividend+by+33.33%25+to+%240.20+from+%240.15+per+share/26475242.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., May  12, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today first quarter net income of $3,282,000 or $0.77 per share compared to $2,718,000 or $0.64 per share for the same quarter in 2025. The increase in quarterly net income compared to 2025 of $564,000 was primarily attributable to an increase in loan interest and fees of $495,000, an increase in securities income of $222,000, and a decrease in the credit loss provision of $239,000. These improvements were partially offset by a decrease in other interest and dividend income of $187,000 and</description>
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   <pubDate>Tue, 12 May 2026 10:29:00 -0400</pubDate>
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   <title>Jeffersonville Bancorp Announces First Quarter Earnings of $3,282,000 or $0.77 per share; Increases Quarterly Dividend by 33.33% to $0.20 from $0.15 per share</title>
   <link>http://www.streetinsider.com/Press+Releases/Jeffersonville+Bancorp+Announces+First+Quarter+Earnings+of+%243%2C282%2C000+or+%240.77+per+share%3B+Increases+Quarterly+Dividend+by+33.33%25+to+%240.20+from+%240.15+per+share/26475242.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., May  12, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today first quarter net income of $3,282,000 or $0.77 per share compared to $2,718,000 or $0.64 per share for the same quarter in 2025. The increase in quarterly net income compared to 2025 of $564,000 was primarily attributable to an increase in loan interest and fees of $495,000, an increase in securities income of $222,000, and a decrease in the credit loss provision of $239,000. These improvements were partially offset by a decrease in other interest and dividend income of $187,000 and</description>
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   <title>Jeffersonville Bancorp Announces First Quarter Earnings of $3,282,000 or $0.77 per share; Increases Quarterly Dividend by 33.33% to $0.20 from $0.15 per share</title>
   <link>http://www.streetinsider.com/Globe+Newswire/Jeffersonville+Bancorp+Announces+First+Quarter+Earnings+of+%243%2C282%2C000+or+%240.77+per+share%3B+Increases+Quarterly+Dividend+by+33.33%25+to+%240.20+from+%240.15+per+share/26475242.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., May  12, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today first quarter net income of $3,282,000 or $0.77 per share compared to $2,718,000 or $0.64 per share for the same quarter in 2025. The increase in quarterly net income compared to 2025 of $564,000 was primarily attributable to an increase in loan interest and fees of $495,000, an increase in securities income of $222,000, and a decrease in the credit loss provision of $239,000. These improvements were partially offset by a decrease in other interest and dividend income of $187,000 and</description>
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   <title>Jeffersonville Bancorp Announces First Quarter Earnings of $3,282,000 or $0.77 per share; Increases Quarterly Dividend by 33.33% to $0.20 from $0.15 per share</title>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., May  12, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today first quarter net income of $3,282,000 or $0.77 per share compared to $2,718,000 or $0.64 per share for the same quarter in 2025. The increase in quarterly net income compared to 2025 of $564,000 was primarily attributable to an increase in loan interest and fees of $495,000, an increase in securities income of $222,000, and a decrease in the credit loss provision of $239,000. These improvements were partially offset by a decrease in other interest and dividend income of $187,000 and</description>
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   <title>Jeffersonville Bancorp (JFBC) Declares $0.15 Quarterly Dividend; 2.5% Yield</title>
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   <description>&lt;p&gt;Jeffersonville Bancorp (OTC: JFBC) declared a quarterly dividend of $0.15 per share, or $0.6 annualized.&lt;/p&gt;&lt;p&gt;The dividend will be payable on March 6, 2026, to stockholders of record on February 25, 2026, with an ex-dividend date of February 24, 2026.&lt;/p&gt;&lt;p&gt;The annual yield on the dividend is 2.5 percent.&lt;/p&gt;&lt;p&gt;For a dividend history and other dividend-related data on Jeffersonville Bancorp (JFBC) &lt;a href=&quot;http://www.streetinsider.com/dividend_history.php?q=JFBC&quot;&gt;click here&lt;/a&gt;.&lt;/p&gt;</description>
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   <pubDate>Tue, 10 Feb 2026 10:48:24 -0400</pubDate>
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   <title>Jeffersonville Bancorp (JFBC) Declares $0.15 Quarterly Dividend; 2.5% Yield</title>
   <link>http://www.streetinsider.com/Corporate+News/Jeffersonville+Bancorp+%28JFBC%29+Declares+%240.15+Quarterly+Dividend%3B+2.5%25+Yield/25973381.html</link>
   <description>&lt;p&gt;Jeffersonville Bancorp (OTC: JFBC) declared a quarterly dividend of $0.15 per share, or $0.6 annualized.&lt;/p&gt;&lt;p&gt;The dividend will be payable on March 6, 2026, to stockholders of record on February 25, 2026, with an ex-dividend date of February 24, 2026.&lt;/p&gt;&lt;p&gt;The annual yield on the dividend is 2.5 percent.&lt;/p&gt;&lt;p&gt;For a dividend history and other dividend-related data on Jeffersonville Bancorp (JFBC) &lt;a href=&quot;http://www.streetinsider.com/dividend_history.php?q=JFBC&quot;&gt;click here&lt;/a&gt;.&lt;/p&gt;</description>
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   <title>Jeffersonville Bancorp Announces Fourth Quarter and Record Full Year Earnings of $12,553,000 or $2.96 per share; Declares Dividend of $0.15</title>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., Feb.  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today net income for the year ended December 31, 2025 was $12,553,000 or $2.96 per share compared to $11,330,000 or $2.68 per share for the same period in 2024. This represents an increase of $1,223,000 or 10.8%. The increase in full-year net income was primarily attributable to an increase in loan interest and fees of $1,890,000 and a decrease in interest expense of $1,989,000. These gains were partially offset by a decrease in securities and other interest and dividends of $1,705,000, a</description>
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   <pubDate>Tue, 10 Feb 2026 10:42:00 -0400</pubDate>
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   <title>Jeffersonville Bancorp Announces Fourth Quarter and Record Full Year Earnings of $12,553,000 or $2.96 per share; Declares Dividend of $0.15</title>
   <link>http://www.streetinsider.com/Press+Releases/Jeffersonville+Bancorp+Announces+Fourth+Quarter+and+Record+Full+Year+Earnings+of+%2412%2C553%2C000+or+%242.96+per+share%3B+Declares+Dividend+of+%240.15/25973353.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., Feb.  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today net income for the year ended December 31, 2025 was $12,553,000 or $2.96 per share compared to $11,330,000 or $2.68 per share for the same period in 2024. This represents an increase of $1,223,000 or 10.8%. The increase in full-year net income was primarily attributable to an increase in loan interest and fees of $1,890,000 and a decrease in interest expense of $1,989,000. These gains were partially offset by a decrease in securities and other interest and dividends of $1,705,000, a</description>
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   <title>Jeffersonville Bancorp Announces Fourth Quarter and Record Full Year Earnings of $12,553,000 or $2.96 per share; Declares Dividend of $0.15</title>
   <link>http://www.streetinsider.com/Globe+Newswire/Jeffersonville+Bancorp+Announces+Fourth+Quarter+and+Record+Full+Year+Earnings+of+%2412%2C553%2C000+or+%242.96+per+share%3B+Declares+Dividend+of+%240.15/25973353.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., Feb.  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today net income for the year ended December 31, 2025 was $12,553,000 or $2.96 per share compared to $11,330,000 or $2.68 per share for the same period in 2024. This represents an increase of $1,223,000 or 10.8%. The increase in full-year net income was primarily attributable to an increase in loan interest and fees of $1,890,000 and a decrease in interest expense of $1,989,000. These gains were partially offset by a decrease in securities and other interest and dividends of $1,705,000, a</description>
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   <title>Jeffersonville Bancorp Announces Fourth Quarter and Record Full Year Earnings of $12,553,000 or $2.96 per share; Declares Dividend of $0.15</title>
   <link>http://www.streetinsider.com/Globe+Newswire/Jeffersonville+Bancorp+Announces+Fourth+Quarter+and+Record+Full+Year+Earnings+of+%2412%2C553%2C000+or+%242.96+per+share%3B+Declares+Dividend+of+%240.15/25973353.html</link>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., Feb.  10, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today net income for the year ended December 31, 2025 was $12,553,000 or $2.96 per share compared to $11,330,000 or $2.68 per share for the same period in 2024. This represents an increase of $1,223,000 or 10.8%. The increase in full-year net income was primarily attributable to an increase in loan interest and fees of $1,890,000 and a decrease in interest expense of $1,989,000. These gains were partially offset by a decrease in securities and other interest and dividends of $1,705,000, a</description>
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   <title>Jeffersonville Bancorp (JFBC) Declares $0.25 Special Dividend; 1.1% Yield</title>
   <link>http://www.streetinsider.com/Dividends/Jeffersonville+Bancorp+%28JFBC%29+Declares+%240.25+Special+Dividend%3B+1.1%25+Yield/25842758.html</link>
   <description>&lt;p&gt;Jeffersonville Bancorp (OTC: JFBC) declared a special dividend of $0.25 per share.&lt;/p&gt;&lt;p&gt;The dividend will be payable on February 6, 2026, to stockholders of record on January 29, 2026, with an ex-dividend date of January 28, 2026.&lt;/p&gt;&lt;p&gt;The annual yield on the dividend is 1.1 percent.&lt;/p&gt;&lt;p&gt;For a dividend history and other dividend-related data on Jeffersonville Bancorp (JFBC) &lt;a href=&quot;http://www.streetinsider.com/dividend_history.php?q=JFBC&quot;&gt;click here&lt;/a&gt;.&lt;/p&gt;</description>
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   <pubDate>Tue, 13 Jan 2026 11:10:24 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">JFBC</category>
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   <title>Jeffersonville Bancorp (JFBC) Declares $0.25 Special Dividend; 1.1% Yield</title>
   <link>http://www.streetinsider.com/Special+Dividends/Jeffersonville+Bancorp+%28JFBC%29+Declares+%240.25+Special+Dividend%3B+1.1%25+Yield/25842758.html</link>
   <description>&lt;p&gt;Jeffersonville Bancorp (OTC: JFBC) declared a special dividend of $0.25 per share.&lt;/p&gt;&lt;p&gt;The dividend will be payable on February 6, 2026, to stockholders of record on January 29, 2026, with an ex-dividend date of January 28, 2026.&lt;/p&gt;&lt;p&gt;The annual yield on the dividend is 1.1 percent.&lt;/p&gt;&lt;p&gt;For a dividend history and other dividend-related data on Jeffersonville Bancorp (JFBC) &lt;a href=&quot;http://www.streetinsider.com/dividend_history.php?q=JFBC&quot;&gt;click here&lt;/a&gt;.&lt;/p&gt;</description>
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   <pubDate>Tue, 13 Jan 2026 11:10:24 -0400</pubDate>
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   <title>Jeffersonville Bancorp Announces Special Dividend of $0.25 per share</title>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., Jan.  13, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today that a special cash dividend in the amount of twenty-five cents ($0.25) per share on the common stock of the company was declared at the January 13, 2026 meeting of the Board of Directors. The dividend is payable on February 6, 2026 to stockholders of record at the close of business on January 29, 2026.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;“The Company’s trend over the previous three years of higher net income due to higher loan interest income, solid credit quality, and low core</description>
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   <pubDate>Tue, 13 Jan 2026 11:07:00 -0400</pubDate>
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   <title>Jeffersonville Bancorp Announces Special Dividend of $0.25 per share</title>
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&lt;p align=&quot;justify&quot;&gt;JEFFERSONVILLE, N.Y., Jan.  13, 2026  (GLOBE NEWSWIRE) -- Jeffersonville Bancorp, Inc. (OTCQB - JFBC) announced today that a special cash dividend in the amount of twenty-five cents ($0.25) per share on the common stock of the company was declared at the January 13, 2026 meeting of the Board of Directors. The dividend is payable on February 6, 2026 to stockholders of record at the close of business on January 29, 2026.&lt;/p&gt;  &lt;p align=&quot;justify&quot;&gt;“The Company’s trend over the previous three years of higher net income due to higher loan interest income, solid credit quality, and low core</description>
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