Jefferson Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jefferson Bank of San Antonio, TX against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.15% | 1.34% | -0.19% | 38th below |
| ROAE | 13.39% | 12.34% | +1.05% | 57th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.78% | 3.83% | -0.05% | 54th above |
| Efficiency Ratio | 74.88% | 58.97% | +15.91% | 11th bottom |
| PPNR / Avg Assets | 1.18% | — | — | 20th bottom |
| Yield on Earning Assets | 5.22% | 5.71% | -0.49% | 31st below |
| Cost of Funds | 1.19% | 2.02% | -0.83% | 90th top |
| Net Interest Spread | 3.05% | — | — | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.75% | 0.87% | -0.12% | 36th below |
| NPA / Total Assets | 0.52% | — | — | 42nd below |
| NCO / Avg Loans | -0.05% | 0.43% | -0.48% | 97th top |
| ACL / Total Loans | 0.82% | — | — | 15th bottom |
| ACL / NPLs (Coverage) | 109.65% | — | — | 27th below |
| Texas Ratio | 5.69% | 5.48% | +0.21% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.81% | 11.11% | -1.30% | 31st below |
| Equity / Assets | 8.56% | 11.02% | -2.46% | 14th bottom |
| TCE / Tangible Assets | 8.50% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.63% | 86.99% | -11.36% | 77th top |
| Core Deposit Ratio | 79.68% | 85.57% | -5.89% | 20th bottom |
| Uninsured Deposit Ratio | 56.54% | 33.19% | +23.35% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.60% | — | — | 30th below |
| Loan Growth (Y/Y) | 4.46% | — | — | 42nd below |
| Deposit Growth (Y/Y) | 1.45% | — | — | 25th below |
See Jefferson Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jefferson Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Jefferson Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Jefferson Bank peer analysis.