| Metric | The Jefferson Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.6% | +4.4% | +12.2 pts |
| Deposit growth (YoY) | +18.8% | +4.0% | +14.8 pts |
| Loan growth (YoY) | +24.0% | +5.6% | +18.4 pts |
| ROA | 2.22% | 1.24% | +1.0 pts |
| ROE | 13.2% | 11.9% | +1.3 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.8M | $174.8M | $156.7M | $35.1M | $2.3M | 2.22% | 5.36% | 0.30% |
| Q1 2026 | $202.5M | $167.4M | $142.2M | $34.1M | $1.2M | 2.40% | 5.65% | 0.31% |
| Q4 2025 | $195.6M | $161.5M | $117.9M | $33.1M | $2.1M | 1.19% | 5.01% | 0.32% |
| Q3 2025 | $182.5M | $147.9M | $130.3M | $33.7M | $2.7M | 2.04% | 5.27% | 0.34% |
| Q2 2025 | $180.8M | $147.2M | $126.4M | $32.8M | $1.9M | 2.21% | 5.60% | 0.20% |
| Q1 2025 | $166.1M | $133.4M | $124.1M | $31.8M | $937K | 2.22% | 5.82% | 0.30% |
| Q4 2024 | $171.6M | $140.0M | $117.0M | $30.6M | $3.0M | 1.73% | 5.41% | 0.08% |
| Q3 2024 | $181.0M | $138.3M | $122.1M | $31.7M | $3.2M | 2.49% | 5.56% | 0.08% |
Loan mix (Q2 2026): real estate $107.7M · commercial $10.7M · consumer $83K · securities $33.7M
| Ratio | The Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.24% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.1% | 62.9% | 4th |
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% |
| Ratio | The 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% |
| Ratio | The Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The 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% |
| Ratio | The 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% |
| Ratio | The Jefferson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025) · $174.8M branch deposits. Biggest market: Washington, MS, ranked 4th with 10.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, MS | 2 | $144.5M | 10.94% | 4th |
| Bolivar, MS | 1 | $30.3M | 2.74% | 10th |
Mississippi: 68th with 0.19% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend up 41% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).