Jefferson Bank
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Data as of · sourced from FFIEC call reports. How we update
Jefferson Bank is an FDIC-insured commercial bank headquartered in San Antonio, TX, established in 1946 (FDIC certificate 16470), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.88B, up 2.6% from Q2 2025, the 37th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.81% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16470
- Headquarters
- San Antonio, TX
- Established
- 1946
- Total assets, Q2 2026
- $2.88B
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 9.81%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 114000763
- Holding company
- JEFFERSON BANCSHARES, INC.
- Asset rank in state
- 37th of 346 in Texas
Problem loans are rising at Jefferson Bank. Based in San Antonio, Texas, it had $2.9 billion in assets at June 30, 2026, up 2.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.75% of loans from 0.32% a year earlier. It pays an average of 1.19% on its deposits and borrowings, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Its $222 million commercial and industrial book is improving, with 0.34% past due or on nonaccrual, down from 3.19% a year earlier. Delinquency has appeared in its $419 million non-owner-occupied commercial real estate book: 2.07% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Jefferson Bank reported a return on assets of 1.15%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 5.69%. The figures come from its call report filed with the FFIEC.
Jefferson Bank ranks as the 37th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $2.88B, loans rose 2.7% and deposits rose 2.8%. 1-4 family residential loans made up 35.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.3%. The FDIC Summary of Deposits lists 13 offices for it, in 4 cities in TX; its San Antonio 10 offices book 87% of its branch deposits. On its Q2 2026 call report, Jefferson Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1900 Broadway St, San Antonio, TX 78215
- County
- Bexar
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 12, 1946
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 405
- Domestic deposits
- $2.60B
- Allowance for credit losses
- $16.2M
- Net charge-offs (YTD)
- $145K
- Average total assets
- $2.84B
- Average total loans
- $1.93B
- Average interest-bearing deposits
- $2.33B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 12, 1946
- FDIC Cert
- 16470
- Fed RSSD
- 45560
- SEC CIK
- 1624175 → filed by JEFFERSON BANCSHARES, INC.
- Website
- www.jeffersonbank.com →
- Parent Holding Company
- JEFFERSON BANCSHARES, INC. (RSSD 1109290)
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, Jefferson Bank 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, Jefferson Bank's total assets ran between $2.79B (Q3 2025) and $2.99B (Q4 2025), 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
$2.88B total assets against $2.80B; $2.63B total liabilities against $2.59B.
$1.95B net loans and leases against $1.87B; $2.60B total deposits against $2.56B.
$468.7M securities against $559.5M; $237.7M cash and balances due against $160.1M.
$34.1M total interest income against $33.2M; $9.4M total interest expense against $11.4M.
$24.7M net interest income against $21.9M.
$8.6M total noninterest income against $7.7M; $25.0M total noninterest expense against $23.2M.
$200K provision for credit losses against $200K.
$8.1M net income against $6.4M.
1.15% return on assets against 0.91%; 3.78% net interest margin against 3.37%.
9.81% tier 1 leverage ratio against 9.16%.
Inside the full Jefferson Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Jefferson Bank rankings
Its closest position to the top of a national ranking is 53 of 980, for uninsured deposits; its furthest is 3,040 of 3,606, for efficiency ratio.
Metric pages for Jefferson Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q4 2024) to 1.27% (Q3 2025) and its net interest margin ran from 2.62% (Q3 2024) to 3.78% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.81% | 1.15% | 0.75% | 5.69% | 3.78% |
| Q1 2026 | 9.48% | 1.07% | 0.82% | 6.22% | 3.56% |
| Q4 2025 | 9.31% | 0.89% | 0.14% | 1.03% | 3.53% |
| Q3 2025 | 9.34% | 1.27% | 0.10% | 0.89% | 3.47% |
| Q2 2025 | 9.16% | 0.91% | 0.32% | 3.02% | 3.37% |
| Q1 2025 | 9.11% | 0.93% | 0.56% | 4.89% | 3.14% |
| Q4 2024 | 8.64% | 0.57% | 0.61% | 5.54% | 2.93% |
| Q3 2024 | 8.47% | 0.62% | 0.39% | 3.53% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Northeast Branch | San Antonio , TX | 78217 | $999.2M |
| Jefferson Bank (main office) | San Antonio , TX | 78215 | $308.0M |
| Broadway Branch | San Antonio , TX | 78209 | $259.6M |
| Stone Oak Branch | San Antonio , TX | 78258 | $213.5M |
| Boerne Banking Center Branch | Boerne , TX | 78006 | $175.6M |
| Fredericksburg Rd. Banking Center Branch | San Antonio , TX | 78201 | $142.0M |
| New Braunfels Banking Center | New Braunfels , TX | 78130 | $137.2M |
| Bandera Road Banking Center Branch | San Antonio , TX | 78250 | $136.9M |
| Blanco Road Branch | San Antonio , TX | 78216 | $107.5M |
| Navarro Branch | San Antonio , TX | 78205 | $50.4M |
| Goliad Road Banking Center Branch | San Antonio , TX | 78223 | $34.5M |
| 7th Street Branch | Austin , TX | 78701 | $25.7M |
| Quarry Heights Banking Center Branch | San Antonio , TX | 78209 | $10.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1993 | Structure Change | Acquired Leon Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action January 19, 1996. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 54 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 625 applications, 447 loans originated, $197.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.2M approved, $365K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Jefferson Bank
What are Jefferson Bank's total assets?
As of the Q2 2026 filing, Jefferson Bank reported total assets of $2.88 billion in its FFIEC call report.
Where is Jefferson Bank headquartered?
It is headquartered in San Antonio, TX, United States.
When was Jefferson Bank founded?
It was established in 1946, per the FDIC institution directory.
Is Jefferson Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jefferson Bank?
Jefferson Bank's primary federal regulator is the FDIC.
How many branches does Jefferson Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jefferson Bank's Texas Ratio?
Its Texas Ratio is 5.69% 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.
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