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The Jefferson Bank

$100M-$1B Specialty: Agricultural MS FDIC cert 11445

Greenville, MS

3 branches across MS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits +18.8% year over year ($174.8M on the books).
  • Delinquency rate 0.40%.
  • Return on assets 2.22%.
  • Efficiency ratio 41.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.66% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

The Jefferson Bank has 4 strengths but faces 3 concerns

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 0.90% above tier average
  • + Net Interest Margin 1.37% above tier average
  • + Efficiency Ratio 23.34% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 23.5% in tier
  • - Credit Quality Pressure: Bottom 26.5% in tier
  • - Liquidity Overhang: Bottom 34.9% in tier
Get updates when The Jefferson Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $210.8M
+16.6% YoY +4.1% QoQ
-$175.8M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $156.7M
+24.0% YoY +10.2% QoQ
-$101.6M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $174.8M
+18.8% YoY +4.5% QoQ
-$151.9M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 2.22%
+0.4% YoY -7.7% QoQ
+0.90% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Top 8.3% in tier
Net Interest Margin ? 5.36%
-4.4% YoY -5.2% QoQ
+1.37% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Top 3.9% in tier
Efficiency Ratio ? 41.14%
-5.5% YoY +0.2% QoQ
-23.34% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
Top 5.0% in tier
Delinquency Rate ? 0.40%
+36.6% YoY -10.7% QoQ
-0.52% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 89.66%
+4.4% YoY +5.5% QoQ
+11.70% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 16.06%
-30.1% YoY -10.7% QoQ
-5.97% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.30%
+45.2% YoY -5.4% QoQ
-0.37% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 17.65%
-11.2% YoY -5.0% QoQ
+1.75% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.08%
+124.1% YoY +13.6% QoQ
-0.49% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Bottom 11.8% in tier

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 (MS) National Avg Tier Percentile
Noninterest-Bearing 16.1%
-6.9pp YoY
-1.9pp QoQ
 -6.1pp 22.1% 23.1% 22.2% 27%
Brokered Deposits 14.5%
+0.8pp YoY
+5.5pp QoQ
 +6.7pp 7.9% 3.8% 8.5% 84%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 6.9%
-2.2pp YoY
-0.1pp QoQ
 -4.7pp 11.6% 12.4% 12.5% 32%
CRE n/a n/a 39.5% 42.3% 41.4% n/a
1-4 Family 3.8%
-4.2pp YoY
-1.7pp QoQ
 -28.8pp 32.6% 33.1% 31.3% 4%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.6% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio 17.6%
-2.2pp YoY
-0.9pp QoQ
 -1.2pp 18.8% 16.5% 19.7% 68%
Leverage Ratio 16.6%
-3.1pp YoY
-0.7pp QoQ
 +4.5pp 12.2% 11.9% 12.6% 92%
Total Capital Ratio 18.9%
-2.2pp YoY
-0.9pp QoQ
 -1.0pp 19.9% 17.7% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 17
0 YoY
0 QoQ
 -42 58 297 482 7%
Assets per Employee ($) $12.4M
+16.6% YoY
+4.1% QoQ
 +$4.9M $7.5M $6.2M $8.8M 94%
Branch Count 3
0 YoY
0 QoQ
 -2 4 22 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.9% 1.0% 47%
Allowance Coverage 12.13x
-36.3% YoY
+2.4% QoQ
 -12.02x 24.15x 4.87x 20.23x 84%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
 -0.2pp 0.1% 0.1% 0.2% 3%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 13.2%
+1.1pp YoY
-1.0pp QoQ
 +1.0pp 12.2% 11.7% 11.6% 57%
Cost of Funds (YTD) 2.6%
+0.1pp YoY
+0.2pp QoQ
 +0.9pp 1.7% 1.8% 1.7% 91%
Net Income ($, YTD) $2.3M
+17.9% YoY
— QoQ
 -$303K $2.6M $13.8M $40.4M 58%

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 (3)

NIB Deposit Bleed

decline
#39 of 162 • Bottom 23.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 16.06%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#334 of 1256 • Bottom 26.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.40%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#260 of 742 • Bottom 34.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.65%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.66%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

105
Net Interest Margin
profitability
Value: 5.36%
Peer Median: 3.99%
#105 of 2643 Top 3.9% in $100M-$1B
132
Efficiency Ratio
profitability
Value: 41.14%
Peer Median: 64.48%
#132 of 2643 Top 5.0% in $100M-$1B
221
Return on Assets
profitability
Value: 2.22%
Peer Median: 1.32%
#221 of 2643 Top 8.3% in $100M-$1B
535
Tier 1 Capital Ratio
capital
Value: 17.65%
Peer Median: 15.91%
#535 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (1 metrics)

2331
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2331 of 2643 Bottom 11.8% in $100M-$1B
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