Jeff Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Jeff Bank, N.A. is an FDIC-insured commercial bank headquartered in Jeffersonville, NY, established in 1913 (FDIC certificate 7123), and it is supervised by the OCC. At Q2 2026 it reported total assets of $686.2M, up 4.5% from Q2 2025, the 59th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7123
- Headquarters
- Jeffersonville, NY
- Established
- 1913
- Total assets, Q2 2026
- $686.2M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 14.92%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 021909342
- Latest call report
- Q2 2026, FFIEC 051 · Jeff Bank, N.A. call report
- Holding company
- JEFFERSONVILLE BANCORP
- Asset rank in state
- 59th of 105 in New York
Jeff Bank, N.A. earns an unusually wide margin on its lending. The Jeffersonville, New York bank had $686 million in assets at June 30, 2026, up 4.5% from a year earlier. It keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.24% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Loans are outrunning deposits: over the year loans rose 6.1% and deposits rose 2.6%.
As of June 30, 2026, Jeff Bank, N.A. reported a return on assets of 1.91%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.85%. The figures come from its call report filed with the FFIEC.
Jeff Bank, N.A. ranks as the 59th largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $686.2M, loans rose 2.4% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.2% of total loans, followed by owner-occupied commercial real estate loans at 16.6%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in NY; its Monticello 2 offices book 21% of its branch deposits. Judged on its Q2 2026 call report, Jeff Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4864 State Route 52, Jeffersonville, NY 12748
- County
- Sullivan
- Metro Area
- Monticello, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1913
- Former names
- Jeff Bank (2012-2026)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $579.2M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $675.6M
- Average total loans
- $369.2M
- Average interest-bearing deposits
- $374.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7123
- Fed RSSD
- 306908
- SEC CIK
- 874495 → filed by JEFFERSONVILLE BANCORP
- Website
- www.jeff.bank →
- Parent Holding Company
- JEFFERSONVILLE BANCORP (RSSD 1048504)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Jeff Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Jeff Bank, N.A.'s total assets ran between $621.2M (Q4 2024) and $690.2M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$686.2M total assets against $656.4M; $589.4M total liabilities against $571.5M.
$369.9M net loans and leases against $348.6M; $579.2M total deposits against $564.5M.
$184.9M securities against $180.4M; $87.7M cash and balances due against $85.5M.
$8.0M total interest income against $7.6M; $343K total interest expense against $297K.
$7.7M net interest income against $7.3M.
$926K total noninterest income against $907K; $4.3M total noninterest expense against $4.0M.
$222K provision for credit losses against $83K.
$3.2M net income against $3.3M.
1.91% return on assets against 2.03%; 4.95% net interest margin against 4.91%.
14.92% tier 1 leverage ratio against 14.49%.
Inside the full Jeff Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJeff Bank, N.A. rankings
Its closest position to the top of a national ranking is 603 of 3,611, for ROA; its furthest is 2,319 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.62% (Q4 2024) to 2.03% (Q2 2025) and its net interest margin ran from 4.41% (Q3 2024) to 4.95% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.92% | 1.91% | 0.37% | 1.85% | 4.95% |
| Q1 2026 | 14.69% | 1.92% | 0.43% | 2.09% | 4.86% |
| Q4 2025 | 14.69% | 1.93% | 0.44% | 2.11% | 4.95% |
| Q3 2025 | 14.43% | 1.95% | 0.38% | 1.93% | 4.93% |
| Q2 2025 | 14.49% | 2.03% | 0.39% | 2.07% | 4.91% |
| Q1 2025 | 14.11% | 1.68% | 0.44% | 2.35% | 4.67% |
| Q4 2024 | 13.87% | 1.62% | 0.36% | 2.04% | 4.51% |
| Q3 2024 | 12.92% | 1.79% | 0.41% | 2.28% | 4.41% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jeff Bank | Jeffersonville , NY | 12748 | $120.6M |
| Liberty Branch | Liberty , NY | 12754 | $103.0M |
| Monticello Branch | Monticello , NY | 12701 | $69.8M |
| Livingston Manor Branch | Livingston Manor , NY | 12758 | $64.9M |
| Anawana Lake Branch | Monticello , NY | 12701 | $52.7M |
| Eldred Branch | Eldred , NY | 12732 | $43.4M |
| Callicoon Branch | Callicoon , NY | 12723 | $35.2M |
| White Lake Branch | White Lake , NY | 12786 | $31.5M |
| Wurtsboro Branch | Wurtsboro , NY | 12790 | $29.4M |
| Port Jervis Branch | Port Jervis , NY | 12771 | $28.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- November 28, 2006, OCC: Formal Agreement: The First National Bank of Jeffersonville
- Period: Most recent institution action November 28, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 95 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 197 applications, 82 loans originated, $21.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Jeff Bank, N.A.
What are Jeff Bank, N.A.'s total assets?
As of the Q2 2026 filing, Jeff Bank, N.A. reported total assets of $686.2 million in its FFIEC call report.
Where is Jeff Bank, N.A. headquartered?
It is headquartered in Jeffersonville, NY, United States.
When was Jeff Bank, N.A. founded?
It was established in 1913, per the FDIC institution directory.
Is Jeff Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jeff Bank, N.A.?
Jeff Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Jeff Bank, N.A. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jeff Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Jeff Bank, N.A. previously called?
The charter now named Jeff Bank, N.A. has also operated as Jeff Bank (2012-2026), per FDIC structure-change records.
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