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State Bank of Jeffers

under $100M Specialty: Agricultural MN FDIC cert 10200

Designations: ✓ Community bank

Jeffers, MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
  • Deposits -2.3% year over year ($31.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.24%.
  • Efficiency ratio 38.71% vs a 119.40% peer average.
  • Loan-to-deposit ratio 60.35% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 52 in MN
View under $100M leaderboard (MN) →

State Bank of Jeffers demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Return on Assets 1.24% above tier average
  • + Efficiency Ratio 80.69% below tier average
  • + Delinquency Rate 1.48% below tier average
  • + Nonperforming Asset Ratio 0.84% below tier average
  • + Net Interest Margin 0.60% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when State Bank of Jeffers releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $37.1M
-0.3% YoY -6.9% QoQ
-$25.4M $62.4M
-0.0% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $18.9M
-4.0% YoY -7.8% QoQ
-$16.0M $34.9M
-0.6% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $31.2M
-2.3% YoY -8.7% QoQ
-$20.4M $51.6M
-0.2% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 2.24%
+30.9% YoY -11.0% QoQ
+1.24% 1.00%
+3.5% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 7.6% in tier
Net Interest Margin ? 4.52%
+0.6% YoY +2.3% QoQ
+0.60% 3.91%
+2.3% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 38.71%
-7.9% YoY -2.9% QoQ
-80.69% 119.40%
+49.6% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 2.8% in tier
Delinquency Rate ? 0.00% -1.48% 1.48%
+31.8% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 60.35%
-1.7% YoY +1.0% QoQ
-13.86% 74.21%
+12.6% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 35.74%
+13.2% YoY +3.1% QoQ
+12.25% 23.49%
+0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Top 12.9% in tier
Nonperforming Asset Ratio ? 0.00% -0.84% 0.84%
+23.0% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 20.98%
+12.2% YoY +14.2% QoQ
-6.14% 27.13%
+3.0% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.05%
+0.3% YoY +65.3% QoQ
-1.33% 1.38%
+6.3% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 35.7%
+4.2pp YoY
+1.1pp QoQ
 +11.1pp 24.6% 21.9% 22.2% 86%
Brokered Deposits n/a n/a 9.8% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 24.2%
+0.2pp YoY
+1.4pp QoQ
 +10.8pp 13.4% 14.6% 12.5% 84%
CRE n/a n/a 25.2% 36.5% 41.4% n/a
1-4 Family 1.1%
-0.1pp YoY
0.0pp QoQ
 -33.9pp 35.0% 29.4% 31.3% 7%
Consumer 10.5%
+2.0pp YoY
+1.8pp QoQ
 +2.9pp 7.7% 4.5% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 21.0%
+2.3pp YoY
+2.6pp QoQ
 -17.7pp 38.7% 16.5% 19.7% 51%
Leverage Ratio 14.1%
+1.0pp YoY
+0.5pp QoQ
 -3.6pp 17.7% 11.0% 12.6% 63%
Total Capital Ratio 22.0%
+2.3pp YoY
+2.7pp QoQ
 -17.7pp 39.7% 17.6% 20.8% 51%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 4
0 YoY
0 QoQ
 -8 12 55 482 2%
Assets per Employee ($) $9.3M
-0.3% YoY
-6.9% QoQ
 +$3.1M $6.2M $8.6M $8.8M 90%
Branch Count 1
0 YoY
0 QoQ
 -1 1 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.4% 0.4% n/a
Nonaccrual n/a n/a 1.7% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 6.41x 20.41x 20.23x n/a
Net Charge-off Rate (YTD) -0.8%
-0.8pp YoY
+0.8pp QoQ
 -1.0pp 0.2% 0.2% 0.2% 0%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 16.3%
+2.5pp YoY
-2.6pp QoQ
 +9.9pp 6.4% 13.1% 11.6% 87%
Cost of Funds (YTD) 0.9%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.4% 1.7% 1.7% 24%
Net Income ($, YTD) $428,000
+30.9% YoY
— QoQ
 +$110K $317,817 $4.5M $40.4M 66%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 1.48%
#1 of 517 Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.84%
#1 of 536 Top 0.1% in under $100M
16
Efficiency Ratio
profitability
Value: 38.71%
Peer Median: 119.40%
#16 of 536 Top 2.8% in under $100M
42
Return on Assets
profitability
Value: 2.24%
Peer Median: 1.00%
#42 of 536 Top 7.6% in under $100M
70
Non-Interest-Bearing Deposit Share
funding
Value: 35.74%
Peer Median: 23.49%
#70 of 536 Top 12.9% in under $100M
135
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.91%
#135 of 536 Top 25.0% in under $100M

Top Weaknesses (3 metrics)

442
Total Assets
size
Value: $37.08M
Peer Median: $62.44M
#442 of 536 Bottom 17.7% in under $100M
431
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 1.38%
#431 of 536 Bottom 19.8% in under $100M
427
Total Deposits
size
Value: $31.25M
Peer Median: $51.62M
#427 of 536 Bottom 20.5% in under $100M
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