BlastPoint's Banking Scorecard

Jefferson Bank

$1B-$10B Specialty: Commercial TX FDIC cert 16470

Designations: ✓ Community bank ✓ CDFI-certified

San Antonio, TX

13 branches across TX

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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +1.4% year over year ($2.6B on the books).
Delinquency rate 0.76%.
Return on assets 1.09%.
Efficiency ratio 74.78% vs a 59.73% peer average.
Loan-to-deposit ratio 75.01% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Jefferson Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 9.5% in tier
- Credit Risk Growth: Bottom 41.3% in tier
- ROA 0.30% below tier average
- Net Interest Margin 0.20% below tier average
- Efficiency Ratio 15.06% above tier average

Get updates when Jefferson Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.9B +2.6% YoY +2.9% QoQ	+$82.2M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$2.0B +4.5% YoY +2.7% QoQ	-$12.5M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	66%
Total Deposits ?	$2.6B +1.4% YoY +2.8% QoQ	+$281.7M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	1.09% +19.9% YoY +3.6% QoQ	-0.30%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	3.67% +12.0% YoY +2.8% QoQ	-0.20%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	74.78% -4.9% YoY +0.2% QoQ	+15.06%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 13.0% in tier
Delinquency Rate ?	0.76% +133.4% YoY -8.6% QoQ	-0.11%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	37%
Loan-to-Deposit Ratio ?	75.01% +3.0% YoY -0.1% QoQ	-10.02%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	32.29% -3.9% YoY -0.7% QoQ	+11.02%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 11.2% in tier
Nonperforming Asset Ratio ?	0.52% +113.0% YoY -8.8% QoQ	-0.16%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	43%
Tier 1 Capital Ratio ?	9.81% -18.4% YoY -22.3% QoQ	-5.03%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 4.3% in tier
Non-Interest Income / Assets ?	0.61% +11.6% YoY +90.6% QoQ	+0.09%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 12.8% 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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	32.3% -1.3pp YoY -0.2pp QoQ	+10.9pp	21.4%	29.2%	22.2%	89%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	11.4% +2.4pp YoY +1.6pp QoQ	-2.6pp	14.0%	14.8%	12.5%	50%
CRE	50.2% -2.7pp YoY -1.4pp QoQ	+0.2pp	50.0%	48.4%	41.4%	51%
1-4 Family	35.6% +0.2pp YoY -0.2pp QoQ	+9.2pp	26.4%	25.8%	31.3%	76%
Consumer	1.8% +0.2pp YoY 0.0pp QoQ	-2.9pp	4.7%	4.7%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	9.8% +0.7pp YoY +0.3pp QoQ	-1.5pp	11.3%	12.6%	12.6%	32%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	405 +8 (+2.0%) YoY +4 (+1.0%) QoQ	+91	313	186	482	78%
Assets per Employee ($)	$7.1M +0.6% YoY +1.9% QoQ	-$3.4M	$10.5M	$10.1M	$8.8M	25%
Branch Count	13 -1 (-7.1%) YoY -1 (-7.1%) QoQ	-7	20	12	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.2%	0.3%	0.4%	42%
Nonaccrual	0.7% +0.4pp YoY +0.1pp QoQ	-0.1pp	0.8%	1.0%	1.0%	64%
Allowance Coverage	1.10x -57.3% YoY +9.2% QoQ	-17.61x	18.71x	18.82x	20.23x	27%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.1% +0.4pp YoY +0.3pp QoQ	+0.5pp	12.6%	13.2%	11.6%	58%
Cost of Funds (YTD)	1.5% -0.3pp YoY -0.1pp QoQ	-0.4pp	1.9%	1.6%	1.7%	22%
Net Income ($, YTD)	$15.8M +22.0% YoY — QoQ	-$3.5M	$19.2M	$15.9M	$40.4M	62%

Get Full Access to Jefferson Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Capital Thin

risk

#22 of 222 • Bottom 9.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.81%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Credit Risk Growth

risk

#167 of 402 • Bottom 41.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

100

Non-Interest-Bearing Deposit Share

funding

Value: 32.29%

Peer Median: 21.27%

#100 of 885 Top 11.2% in $1B-$10B

114

Non-Interest Income / Assets

revenue_mix

Value: 0.61%

Peer Median: 0.53%

#114 of 885 Top 12.8% in $1B-$10B

208

Loan-to-Deposit Ratio

liquidity

Value: 75.01%

Peer Median: 85.04%

#208 of 885 Top 23.4% in $1B-$10B

Top Weaknesses (2 metrics)

848

Tier 1 Capital Ratio

capital

Value: 9.81%

Peer Median: 14.84%

#848 of 885 Bottom 4.3% in $1B-$10B

771

Efficiency Ratio

profitability

Value: 74.78%

Peer Median: 59.73%

#771 of 885 Bottom 13.0% in $1B-$10B