BlastPoint's Banking Scorecard
The Jefferson Bank
Greenville, MS
3 branches across MS
The Jefferson Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32.1% in tier
- + Net Interest Margin 1.72% above tier average
- + Efficiency Ratio 24.21% below tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.9% in tier
- - NIB Deposit Bleed: Bottom 26.3% in tier
- - Liquidity Overhang: Bottom 35.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.5M
+22.0% YoY
+3.5% QoQ
|
-$183.6M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$142.2M
+14.6% YoY
+20.6% QoQ
|
-$113.5M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$167.4M
+25.5% YoY
+3.6% QoQ
|
-$160.6M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
2.40%
+8.3% YoY
+102.5% QoQ
|
+1.13% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
Top 5.7% in tier |
| Net Interest Margin ? |
5.65%
-2.9% YoY
+12.9% QoQ
|
+1.72% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
Top 2.3% in tier |
| Efficiency Ratio ? |
41.07%
-9.4% YoY
-36.0% QoQ
|
-24.21% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
Top 4.9% in tier |
| Delinquency Rate ? |
0.45%
+10.7% YoY
-14.8% QoQ
|
-0.44% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
84.95%
-8.7% YoY
+16.3% QoQ
|
+8.32% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
17.97%
-30.4% YoY
-31.6% QoQ
|
-4.05% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.31%
+4.0% YoY
-0.8% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
18.59%
-8.7% YoY
-9.7% QoQ
|
+2.76% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.07%
+221.0% YoY
-4.8% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
31% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.