Jacksonville Bancorp, Inc. operates as the holding company for The Jacksonville Bank that provides community banking services to businesses and individuals. Its deposit products include demand deposit accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, term certificates of deposit, and retirement savings plans, such as IRAs. The company’s loan products portfolio comprises commercial loans; commercial real estate loans for owner occupied commercial properties, properties used by non-profit organizations, and commercial properties leased to third parties for investment purposes; residential real estate loans consisting of loans secured by first or second mortgages, and home equity loans on one-to-four family residential properties; construction permanent loans and land loans; consumer loans for the purchase of automobiles, recreational vehicles, and boats; and other loans, including home improvement loans, lines of credit, personal loans, and deposit account collateralized loans. It also offers personal and business online banking services, sweep accounts, and investment and insurance products. As of April 24, 2013, the company operated through eight full-service branches in Jacksonville and Jacksonville Beach, Florida, as well as through its virtual branch. Jacksonville Bancorp, Inc. was founded in 1997 and is headquartered in Jacksonville, Florida