JEFF BANK

JEFFERSONVILLE, NY | Medium | Est. Oct. 1, 1913, midnight | FDIC #7123 | RSSD #306908 | FDIC
Latest Report: 2025-12-31

JEFF BANK is amn medium FDIC-insured commercial bank headquartered in JEFFERSONVILLE, NY, established in Oct. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $662M and total deposits of $558M. Profitability stands at 1.91% ROA and 13.94% ROE, with a net interest margin of 4.88%. The bank's CET1 capital ratio is 14.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 1.97%. FDIC Certificate #7123.

Assets

$662M

Deposits

$558M

Loans

$363M

Equity

$93M

Profitability

Return on Assets (ROA) 1.91%
Return on Equity (ROE) 13.94%
Net Interest Margin (NIM) 4.88%
Yield on Assets 5.08%
Cost of Funds 0.22%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio -0.02%
Texas Ratio 1.97%
NPA Ratio 0.29%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 14.07%
Tier 1 Capital 14.07%
Total Capital Ratio 14.78%
Leverage Ratio 14.69%
Loan-to-Deposit 64.94%

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