Jefferson Bank
Jefferson Bank reported total assets of $2.9 bn at Q2 2026, up 2.6% on a year earlier, the 439th largest of 497 banks in our US coverage. Jefferson Bank uses the community bank leverage ratio framework, with a leverage ratio of 9.81%, and the uninsured share of Jefferson Bank was 56.54%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Jefferson Bank slipped from 143rd to 296th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Jefferson Bank has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 56.54% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- At 74.78%, the efficiency ratio of Jefferson Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87% (FDIC Call Reports).
What sets Jefferson Bank apart
How large is Jefferson Bank?
The balance sheet of Jefferson Bank at : assets $2.9 bn, deposits $2.6 bn, net loans $2.0 bn (loans equal to 75.01% of deposits). Securities make up 16.3% of total assets at Jefferson Bank. Since , when Jefferson Bank held $1.6 bn, its assets grew 77.0%. In the year to , deposits at Jefferson Bank rose 1.4% while its total assets rose 2.6%. At , Jefferson Bank employed 405 full-time equivalent staff across 13 offices, about $7.1 mn of assets per employee and $200.0 mn of deposits per office.
How much funding at Jefferson Bank is uninsured?
At Jefferson Bank, uninsured deposits (above the FDIC limit) made up 56.54% of domestic deposits at (+1.54 pp on a year earlier); Jefferson Bank ranks 42nd of 500 on this measure. In dollars, Jefferson Bank estimated $1.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +1.4% | 404th of 499 |
| Net loans and leases | $2.0 bn | +4.5% | 448th of 500 |
| Loan-to-deposit ratio | 75.01% | +2.16 pp | 384th of 500 |
| Net interest margin | 3.67% | +0.39 pp | 237th of 500 |
| Return on assets (ROA) | 1.09% | +0.18 pp | 347th of 500 |
| Efficiency ratio | 74.78% | -3.82 pp | 462nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $811,000 | Narrowed by $772,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $28.7 mn | Narrowed by $11.3 mn | |
| Noncurrent loans to total loans | 0.75% | +0.43 pp | 296th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | +0.01 pp | 116th of 500 (1 = lowest) |
US rank of Jefferson Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Jefferson Bank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.6bn
- Net loans $2.0bn
Capital and securities
Jefferson Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 9.81% in . Equity capital of Jefferson Bank at : $246.2 mn, or 8.6% of total assets.
On held-to-maturity securities, Jefferson Bank carried an unrealized loss of $811,000 at , equal to 0.3% of equity capital. The loss narrowed by $772,000 over the year. Its deepest point: $6.8 mn in . The available-for-sale portfolio of Jefferson Bank showed an unrealized loss of $28.7 mn at ; the loss narrowed by $11.3 mn over the year.
Jefferson Bank: capital ratios
- Total capital 13%
- CET1 13%
- Tier 1 leverage 9.8%
Jefferson Bank: unrealized securities gains and losses
- Available for sale -$29mn
- Held to maturity -$811,000
Profitability and loan quality
For the year to , Jefferson Bank earned a return on equity of 13.07%; return on assets: 1.09%. Net interest margin at Jefferson Bank: 3.67%, +0.39 pp in a year. Jefferson Bank net income: $15.8 mn, up 22.0% year on year. The efficiency ratio of Jefferson Bank was 74.78%: about 75 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.75% of total loans at Jefferson Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at Jefferson Bank: $2.0 bn, up 4.5% in a year.
Jefferson Bank: profitability
- Return on equity 13%
- Net interest margin 3.7%
- Return on assets 1.1%
Peer group of Jefferson Bank
The peer group of Jefferson Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Jefferson Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, Jefferson Bank shows return on equity 13.07% against a peer median of 13.01% and uninsured deposit share 56.54% against a peer median of 29.27%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| American First National Bank | National bank | TX | $2.9 bn | 16.38% | 15.49% | 22.72% | |
| Merchants Bank | National bank | MN | $2.9 bn | 13.46% | 10.53% | 25.78% | |
| West Texas National Bank | National bank | TX | $2.9 bn | 16.75% | 15.54% | 64.10% | |
| Jefferson Bank | State nonmember bank | TX | $2.9 bn | not reported | 13.07% | 56.54% | |
| BayCoast Bank | State-chartered stock savings bank | MA | $2.9 bn | 10.77% | 5.65% | 32.75% | |
| WebBank | State nonmember bank | UT | $2.9 bn | 18.10% | 28.37% | 13.87% | |
| Bank Independent | State member bank | AL | $2.9 bn | 13.22% | 6.52% | 42.85% | |
. FDIC Call Reports.
Last eight quarters
Two years at Jefferson Bank, to : assets -2.4%, deposits +0.3%, equity +25.0%. Staff 403 to 405; offices 14 to 13.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $2.8 bn | $2.8 bn | $2.8 bn | $3.0 bn | $2.8 bn | $2.9 bn |
| Total deposits | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.5 bn | $2.7 bn | $2.5 bn | $2.6 bn |
| Bank equity capital | $197.0 mn | $197.3 mn | $206.0 mn | $211.1 mn | $226.6 mn | $237.9 mn | $240.5 mn | $246.2 mn |
| CET1 ratio | 11.56% | 11.79% | 11.93% | 12.03% | 12.34% | 12.66% | 12.64% | not reported |
| Return on equity (ROE) | 8.96% | 8.88% | 12.96% | 12.63% | 13.90% | 13.14% | 12.77% | 13.07% |
| Uninsured share of domestic deposits | 51.80% | 53.80% | 55.16% | 54.99% | 53.82% | 57.83% | 55.19% | 56.54% |
| Full-time equivalent employees | 403 | 400 | 396 | 397 | 400 | 400 | 401 | 405 |
| Number of offices | 14 | 13 | 13 | 14 | 14 | 14 | 14 | 13 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Jefferson Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Jefferson Bank?
Jefferson Bank reported $2.9 bn at in its Call Report. That makes Jefferson Bank the 439th largest of 497 banks in our US coverage.
Is Jefferson Bank the same as its holding company?
No. This page covers Jefferson Bank, FDIC certificate 16470; JEFFERSON BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Jefferson Bank profitable?
Jefferson Bank reported net income of $15.8 mn for the year to ; annualized return on equity: 13.07%. So yes: Jefferson Bank made a profit over these months.
When is data for Jefferson Bank next updated?
Figures from Jefferson Bank for are due after .
Where can I check the figures for Jefferson Bank?
In the FDIC BankFind Suite record for certificate 16470, and in the Call Reports of Jefferson Bank (RSSD ID 45560) at the FFIEC Central Data Repository.