BlastPoint's Banking Scorecard
Jefferson Security Bank
Shepherdstown, WV
6 branches across WV · MD
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 32 in WV.
- Deposits +3.9% year over year ($522.5M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.01%.
- Efficiency ratio 64.24% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Jefferson Security Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.24% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$566.1M
+2.6% YoY
-2.0% QoQ
|
+$179.5M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$411.8M
+5.3% YoY
+1.3% QoQ
|
+$153.4M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$522.5M
+3.9% YoY
-2.5% QoQ
|
+$195.8M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.01%
+53.9% YoY
+21.6% QoQ
|
-0.31% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.51%
+23.1% YoY
+6.1% QoQ
|
-0.48% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
64.24%
-11.0% YoY
-5.6% QoQ
|
-0.24% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.01%
-64.5% YoY
-87.4% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
Top 14.3% in tier |
| Loan-to-Deposit Ratio ? |
78.81%
+1.4% YoY
+3.9% QoQ
|
+0.85% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
27.35%
+0.5% YoY
-0.2% QoQ
|
+5.32% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.01%
-63.6% YoY
-87.0% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
Top 13.2% in tier |
| Tier 1 Capital Ratio ? |
12.97%
+2.7% YoY
+3.3% QoQ
|
-2.94% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.23%
+11.7% YoY
+126.3% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.3%
+0.1pp YoY -0.1pp QoQ |
+5.2pp | 22.1% | 27.1% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.0%
+0.3pp YoY +0.1pp QoQ |
-9.6pp | 11.6% | 7.1% | 12.5% | 6% |
| CRE |
33.1%
+0.3pp YoY -0.3pp QoQ |
-6.4pp | 39.5% | 33.8% | 41.4% | 40% |
| 1-4 Family |
64.1%
-0.3pp YoY +0.5pp QoQ |
+31.5pp | 32.6% | 52.8% | 31.3% | 92% |
| Consumer |
1.1%
-0.2pp YoY 0.0pp QoQ |
-3.0pp | 4.1% | 7.9% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+0.3pp YoY +0.4pp QoQ |
-5.9pp | 18.8% | 17.1% | 19.7% | 28% |
| Leverage Ratio |
8.4%
+0.5pp YoY +0.3pp QoQ |
-3.8pp | 12.2% | 11.6% | 12.6% | 5% |
| Total Capital Ratio |
14.2%
+0.3pp YoY +0.4pp QoQ |
-5.7pp | 19.9% | 18.1% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
+1 (+1.2%) YoY +2 (+2.5%) QoQ |
+22 | 58 | 161 | 482 | 77% |
| Assets per Employee ($) |
$7.0M
+1.4% YoY -4.4% QoQ |
-$530K | $7.5M | $6.1M | $8.8M | 52% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 13 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 3% |
| Allowance Coverage |
116.20x
+200.1% YoY +700.9% QoQ |
+92.05x | 24.15x | 6.60x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.3%
+3.8pp YoY +2.4pp QoQ |
+3.1pp | 12.2% | 10.6% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.5% | 1.7% | 53% |
| Net Income ($, YTD) |
$2.9M
+60.8% YoY — QoQ |
+$318K | $2.6M | $9.0M | $40.4M | 68% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.