JEFFERSON BANK, THE

GREENVILLE, MS | Small | Est. Jan. 3, 1901, midnight | FDIC #11445 | RSSD #703039 | FDIC
Latest Report: 2025-12-31

JEFFERSON BANK, THE is asn small FDIC-insured commercial bank headquartered in GREENVILLE, MS, established in Jan. 3, 1901, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $161M. Profitability stands at -1.18% ROA and -6.69% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 20.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 1.52%. FDIC Certificate #11445.

Assets

$196M

Deposits

$161M

Loans

$125M

Equity

$33M

Profitability

Return on Assets (ROA) -1.18%
Return on Equity (ROE) -6.69%
Net Interest Margin (NIM) 4.41%
Yield on Assets 7.05%
Cost of Funds 2.97%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.18%
Texas Ratio 1.52%
NPA Ratio 0.31%
ACL / Loans 5.98%

Capital & Liquidity

CET1 Ratio 20.60%
Tier 1 Capital 20.60%
Total Capital Ratio 21.89%
Leverage Ratio 17.99%
Loan-to-Deposit 77.66%

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