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Jeff Bank

$100M-$1B Specialty: Commercial NY FDIC cert 7123

Jeffersonville, NY

10 branches across NY

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 48 in NY.
  • Deposits +2.6% year over year ($579.2M on the books).
  • Delinquency rate 0.38%.
  • Return on assets 1.91%.
  • Efficiency ratio 50.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.86% 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 48 in NY
View $100M-$1B leaderboard (NY) →

Jeff Bank demonstrates 4 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

  • + Deposit Franchise: Top 58.3% in tier
  • + ROA 0.59% above tier average
  • + Efficiency Ratio 14.14% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Jeff Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $686.2M
+4.5% YoY +2.1% QoQ
+$299.7M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Top 13.2% in tier
Total Loans ? $369.9M
+6.1% YoY +2.3% QoQ
+$111.5M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $579.2M
+2.6% YoY +2.1% QoQ
+$252.5M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
Top 13.5% in tier
Return on Assets ? 1.91%
+3.4% YoY -0.9% QoQ
+0.59% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 4.88%
+1.4% YoY +0.8% QoQ
+0.89% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Top 10.4% in tier
Efficiency Ratio ? 50.34%
-1.9% YoY -1.3% QoQ
-14.14% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.38%
-4.1% YoY -13.2% QoQ
-0.54% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 63.86%
+3.4% YoY +0.3% QoQ
-14.09% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 33.66%
-4.5% YoY -1.2% QoQ
+11.63% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Top 11.3% in tier
Nonperforming Asset Ratio ? 0.27%
-3.1% YoY -10.4% QoQ
-0.39% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 14.92%
+3.0% YoY +1.6% QoQ
-0.99% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.25%
-8.3% YoY +110.7% QoQ
-0.31% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
64%

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 (NY) National Avg Tier Percentile
Noninterest-Bearing 33.7%
-1.6pp YoY
-0.4pp QoQ
 +11.5pp 22.1% 22.1% 22.2% 89%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 8.3%
-0.1pp YoY
+0.1pp QoQ
 -3.2pp 11.6% 11.0% 12.5% 42%
CRE 41.5%
+0.6pp YoY
-0.5pp QoQ
 +2.0pp 39.5% 46.2% 41.4% 56%
1-4 Family 47.9%
-0.8pp YoY
0.0pp QoQ
 +15.2pp 32.6% 36.6% 31.3% 80%
Consumer 0.7%
0.0pp YoY
+0.1pp QoQ
 -3.4pp 4.1% 5.1% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.1% 19.7% n/a
Leverage Ratio 14.9%
+0.4pp YoY
+0.2pp QoQ
 +2.8pp 12.2% 13.9% 12.6% 86%
Total Capital Ratio n/a n/a 19.9% 27.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 109
0 YoY
+2 (+1.9%) QoQ
 +50 58 914 482 89%
Assets per Employee ($) $6.3M
+4.5% YoY
+0.3% QoQ
 -$1.2M $7.5M $14.8M $8.8M 39%
Branch Count 10
0 YoY
0 QoQ
 +5 4 27 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.3% 1.0% 45%
Allowance Coverage 3.60x
+3.4% YoY
+17.9% QoQ
 -20.56x 24.15x 1.92x 20.23x 62%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 13.6%
-0.9pp YoY
-0.2pp QoQ
 +1.4pp 12.2% 7.9% 11.6% 60%
Cost of Funds (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -1.5pp 1.7% 1.8% 1.7% 1%
Net Income ($, YTD) $6.4M
+8.4% YoY
— QoQ
 +$3.9M $2.6M $111.2M $40.4M 93%

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 (1)

Deposit Franchise

growth
#163 of 278 • Top 58.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.66%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.88%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (8 metrics)

275
Net Interest Margin
profitability
Value: 4.88%
Peer Median: 3.99%
#275 of 2643 Top 10.4% in $100M-$1B
300
Non-Interest-Bearing Deposit Share
funding
Value: 33.66%
Peer Median: 22.03%
#300 of 2643 Top 11.3% in $100M-$1B
350
Total Assets
size
Value: $686.25M
Peer Median: $386.57M
#350 of 2643 Top 13.2% in $100M-$1B
357
Total Deposits
size
Value: $579.20M
Peer Median: $326.73M
#357 of 2643 Top 13.5% in $100M-$1B
415
Return on Assets
profitability
Value: 1.91%
Peer Median: 1.32%
#415 of 2643 Top 15.7% in $100M-$1B
468
Efficiency Ratio
profitability
Value: 50.34%
Peer Median: 64.48%
#468 of 2643 Top 17.7% in $100M-$1B
586
Loan-to-Deposit Ratio
liquidity
Value: 63.86%
Peer Median: 77.95%
#586 of 2643 Top 22.1% in $100M-$1B
636
Total Loans
size
Value: $369.87M
Peer Median: $258.35M
#636 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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