Jefferson Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.20 percentage points lower than in Q1 2026, at 107.50%. Within Texas, Jefferson Bank is 234th of 345 on return on assets, 1.15% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Jefferson Bank sits 0.12 points lower, at 1.15% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.81% |
| Equity capital to assets | 8.56% |
| Tangible equity to tangible assets | 8.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.77% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 5.69% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 107.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 13.39% |
| Net interest margin | 3.78% |
| Efficiency ratio | 74.88% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.63% |
| Core deposits to total deposits | 79.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.44% |
| Securities to assets | 16.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.57% | 11.57% | 12.37% | 8.50% | 0.01% |
| Q4 2023 | 11.27% | 11.27% | 12.07% | 8.38% | 0.01% |
| Q1 2024 | 11.28% | 11.28% | 12.03% | 8.41% | 0.38% |
| Q2 2024 | 11.39% | 11.39% | 12.13% | 8.36% | 0.59% |
| Q3 2024 | 11.56% | 11.56% | 12.31% | 8.47% | 0.62% |
| Q4 2024 | 11.79% | 11.79% | 12.57% | 8.64% | 0.57% |
| Q1 2025 | 11.93% | 11.93% | 12.69% | 9.11% | 0.93% |
| Q2 2025 | 12.03% | 12.03% | 12.80% | 9.16% | 0.91% |
| Q3 2025 | 12.34% | 12.34% | 13.12% | 9.34% | 1.27% |
| Q4 2025 | 12.66% | 12.66% | 13.43% | 9.31% | 0.89% |
| Q1 2026 | 12.64% | 12.64% | 13.41% | 9.48% | 1.07% |
| Q2 2026 | — | — | — | 9.81% | 1.15% |
Jefferson Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jefferson Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16470) · FFIEC NIC profile (RSSD 45560)