BlastPoint's Banking Scorecard

Jeff Bank

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

Jeffersonville, NY

10 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in 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 53.3% in tier
+ ROA 0.66% above tier average
+ Efficiency Ratio 14.27% below tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$671.9M +3.3% YoY +1.5% QoQ	+$285.8M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 14.0% in tier
Total Loans ?	$361.4M +5.5% YoY +1.0% QoQ	+$105.7M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$567.4M +1.0% YoY +1.6% QoQ	+$239.5M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 14.9% in tier
Return on Assets ?	1.93% +14.3% YoY +1.8% QoQ	+0.66%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Top 14.3% in tier
Net Interest Margin ?	4.84% +2.0% YoY -0.5% QoQ	+0.90%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Top 10.2% in tier
Efficiency Ratio ?	51.01% -5.7% YoY +0.3% QoQ	-14.27%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.43% -2.1% YoY -2.0% QoQ	-0.45%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	63.69% +4.5% YoY -0.6% QoQ	-12.95%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	34.08% -1.2% YoY -1.1% QoQ	+12.06%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Top 11.2% in tier
Nonperforming Asset Ratio ?	0.31% -0.8% YoY -2.2% QoQ	-0.33%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	14.69% +4.1% YoY +0.1% QoQ	-1.14%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.12% -13.3% YoY -77.4% QoQ	-0.16%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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

#146 of 272 • Top 53.3% 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: 34.08%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.84%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

272

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.93%

#272 of 2664 Top 10.2% in $100M-$1B

299

Non-Interest-Bearing Deposit Share

funding

Value: 34.08%

Peer Median: 22.02%

#299 of 2664 Top 11.2% in $100M-$1B

374

Total Assets

size

Value: $671.88M

Peer Median: $386.08M

#374 of 2664 Top 14.0% in $100M-$1B

382

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.27%

#382 of 2664 Top 14.3% in $100M-$1B

398

Total Deposits

size

Value: $567.44M

Peer Median: $327.97M

#398 of 2664 Top 14.9% in $100M-$1B

468

Efficiency Ratio

profitability

Value: 51.01%

Peer Median: 65.29%

#468 of 2664 Top 17.5% in $100M-$1B

617

Loan-to-Deposit Ratio

liquidity

Value: 63.69%

Peer Median: 76.64%

#617 of 2664 Top 23.1% in $100M-$1B

649

Total Loans

size

Value: $361.39M

Peer Median: $255.72M

#649 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available