Bank Comparison
Jefferson Security Bank vs Lee Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Jefferson Security Bank | Lee Bank |
|---|---|---|
| CET1 Ratio | 12.55% | — |
| Tier 1 Capital Ratio | 12.55% | — |
| Total Capital Ratio | 13.80% | — |
| Tier 1 Leverage Ratio | 8.12% | 9.41% |
| Equity / Assets | 6.46% | 8.66% |
Profitability
| Metric | Jefferson Security Bank | Lee Bank |
|---|---|---|
| Return on Assets (ROA) | 0.82% | 0.91% |
| Return on Equity (ROE) | 12.83% | 10.72% |
| Net Interest Margin (NIM) | 3.30% | 3.56% |
| Yield on Earning Assets | 5.03% | 5.01% |
| Cost of Funds | 1.80% | 1.53% |
Asset quality
| Metric | Jefferson Security Bank | Lee Bank |
|---|---|---|
| Texas Ratio | 0.75% | 6.63% |
| Non-Performing Loan Ratio | 0.07% | 0.82% |
| Non-Performing Asset Ratio | 0.05% | 0.62% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.10% | 0.95% |
Balance sheet
| Metric | Jefferson Security Bank | Lee Bank |
|---|---|---|
| Total Assets | $577,617K | $578,531K |
| Total Deposits | $535,960K | $511,532K |
| Total Loans | $411,123K | $438,734K |
| Total Equity | $37,304K | $50,105K |
| Net Income (quarter) | $1,184K | $1,327K |
Liquidity & funding
| Metric | Jefferson Security Bank | Lee Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.71% | 85.77% |
| Core Deposit Ratio | 94.99% | 86.71% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Jefferson Security Bank | Lee Bank |
|---|---|---|
| Headquarters City | SHEPHERDSTOWN | LEE |
| Headquarters State | WV | MA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 79 | 82 |
| Established | May 19, 1869, midnight | March 5, 1852, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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