BlastPoint's Banking Scorecard
Jefferson Bank
Designations: ✓ Community bank ✓ CDFI-certified
San Antonio, TX
13 branches across TX
Jefferson Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.0% in tier
- - Deposit Outflow: Bottom 16.9% in tier
- - Flatlined Growth: Bottom 19.3% in tier
- - ROA 0.31% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 13.58% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-1.6% YoY
-6.6% QoQ
|
-$20.9M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$1.9B
+1.2% YoY
+0.6% QoQ
|
-$64.9M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$2.5B
-2.1% YoY
-7.1% QoQ
|
+$187.5M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.06%
+15.3% YoY
+6.5% QoQ
|
-0.31% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.57%
+14.0% YoY
+5.2% QoQ
|
-0.25% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
74.64%
-5.0% YoY
-3.1% QoQ
|
+13.58% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
0.83%
+46.8% YoY
+501.5% QoQ
|
-0.06% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
75.07%
+3.4% YoY
+8.3% QoQ
|
-9.13% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
32.50%
-5.3% YoY
-4.5% QoQ
|
+11.21% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 11.9% in tier |
| Nonperforming Asset Ratio ? |
0.57%
+49.4% YoY
+551.0% QoQ
|
-0.11% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
12.64%
+5.9% YoY
-0.2% QoQ
|
-2.52% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.32%
+18.4% YoY
-71.9% QoQ
|
+0.06% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 11.4% in tier |
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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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.