Jefferson Bank
Total assets
$2.88B
▲ +2.6% YoY
Deposits
$2.60B
▲ +1.4% YoY
Loans
$1.95B
▲ +4.5% YoY
Offices
13
JEFFERSON BANCSHARES INC
ROA (annualized)
1.09%
peers 1.26%
ROE (annualized)
13.07%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Jefferson Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.5% | -2.9 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.6 pts |
| Loan growth (YoY) | +4.5% | +5.9% | -1.5 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 13.1% | 12.2% | +0.9 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
Profile
- Established
- 1946
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- JEFFERSON BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1900 Broadway, Suite 100, San Antonio, TX, 78215
- County
- Bexar
- Metro area
- San Antonio-New Braunfels, TX
- Offices
- 13
- FDIC cert #
- 16470
- RSSD ID
- 45560
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.88B | $2.60B | $1.95B | $246.2M | $15.8M | 1.09% | 3.67% | 0.52% |
| Q1 2026 | $2.79B | $2.53B | $1.90B | $240.5M | $7.6M | 1.06% | 3.57% | 0.57% |
| Q4 2025 | $2.99B | $2.72B | $1.89B | $237.9M | $28.3M | 0.99% | 3.40% | 0.09% |
| Q3 2025 | $2.79B | $2.53B | $1.90B | $226.6M | $21.9M | 1.03% | 3.37% | 0.08% |
| Q2 2025 | $2.80B | $2.56B | $1.87B | $211.1M | $12.9M | 0.91% | 3.28% | 0.24% |
| Q1 2025 | $2.84B | $2.59B | $1.88B | $206.0M | $6.5M | 0.92% | 3.13% | 0.38% |
| Q4 2024 | $2.87B | $2.64B | $1.87B | $197.3M | $15.9M | 0.55% | 2.67% | 0.41% |
| Q3 2024 | $2.95B | $2.59B | $1.85B | $197.0M | $11.8M | 0.54% | 2.55% | 0.25% |
Loan mix (Q2 2026): real estate $1.71B · commercial $221.8M · consumer $34.5M · securities $468.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.70% | 48th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 59.0% | 87th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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