The Jefferson Bank
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Data as of · sourced from FFIEC call reports. How we update
The Jefferson Bank is an FDIC-insured commercial bank headquartered in Greenville, MS, established in 1901 (FDIC certificate 11445), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $210.8M, up 16.6% from Q2 2025, the 48th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 17.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11445
- Headquarters
- Greenville, MS
- Established
- 1901
- Total assets, Q2 2026
- $210.8M
- Assets vs Q2 2025
- +16.6%
- CET1 ratio, Q2 2026
- 17.65%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 084206040
- Holding company
- SOUTHEAST ARKANSAS BANK CORPORATION
- Asset rank in state
- 48th of 57 in Mississippi
The Jefferson Bank runs leaner than most banks of its size. Based in Greenville, Mississippi, it had $211 million in assets at June 30, 2026, up 16.6% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 5.05 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 23.1% and deposits rose 18.8%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.38% of loans from 0.28% a year earlier. Funding is the softer spot: it pays an average of 3.09% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, The Jefferson Bank reported a CET1 capital ratio of 17.65%, a return on assets of 1.94%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 1.46%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, The Jefferson Bank is the 48th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.1% to $210.8M, loans rose 9.8% and deposits rose 4.5%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 27.8% of total loans, ahead of agricultural production loans at 27.8%. The FDIC Summary of Deposits lists 3 offices for it, in Greenville, MS and Rosedale, MS; its Greenville 2 offices book 83% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Jefferson Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3008 E Reed Rd, Greenville, MS 38703
- County
- Washington
- Metro Area
- Greenville, MS
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 3, 1901
- Former names
- The Jefferson Bank (1997)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $174.8M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- -$55K
- Average total assets
- $217.3M
- Average total loans
- $144.9M
- Average interest-bearing deposits
- $142.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11445
- Fed RSSD
- 703039
- SEC CIK
- 1495400 → filed by SOUTHEAST ARKANSAS BANK CORPORATION
- Website
- www.thejeffersonbank.com →
- Parent Holding Company
- SOUTHEAST ARKANSAS BANK CORPORATION (RSSD 1137033)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Jefferson Bank's total assets ran between $152.6M (Q3 2023) and $210.8M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$210.8M total assets against $180.8M; $175.7M total liabilities against $148.0M.
$156.7M net loans and leases against $126.4M; $174.8M total deposits against $147.2M.
$33.7M securities against $28.2M; $9.6M cash and balances due against $17.9M.
$3.8M total interest income against $3.3M; $1.3M total interest expense against $1.0M.
$2.5M net interest income against $2.2M.
$25K total noninterest income against $27K; $1.0M total noninterest expense against $947K.
$0 provision for credit losses against $0.
$1.1M net income against $973K.
1.94% return on assets against 2.24%; 5.05% net interest margin against 5.40%.
17.65% CET1 capital ratio against 19.87%; 16.65% tier 1 leverage ratio against 19.76%.
Inside the full The Jefferson Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Jefferson Bank rankings
Its closest position to the top of a national ranking is 226 of 3,606, for efficiency ratio; its furthest is 2,897 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.17% (Q4 2025) to 2.35% (Q1 2026) and its net interest margin ran from 4.21% (Q4 2025) to 5.43% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.65% | 1.94% | 0.38% | 1.46% | 5.05% |
| Q1 2026 | 18.59% | 2.35% | 0.42% | 1.52% | 5.43% |
| Q4 2025 | 20.60% | -1.17% | 0.49% | 1.52% | 4.21% |
| Q3 2025 | 20.00% | 1.70% | 0.45% | 1.52% | 4.44% |
| Q2 2025 | 19.87% | 2.24% | 0.28% | 0.92% | 5.40% |
| Q1 2025 | 20.35% | 2.16% | 0.38% | 1.29% | 5.36% |
| Q4 2024 | 19.87% | -0.54% | 0.12% | 0.38% | 4.43% |
| Q3 2024 | 19.86% | 2.01% | 0.11% | 0.37% | 4.52% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Greenville Branch | Greenville , MS | 38701 | $130.1M |
| Rosedale Branch | Rosedale , MS | 38769 | $30.3M |
| The Jefferson Bank | Greenville , MS | 38703 | $14.5M |
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 |
|---|---|---|---|
| June 5, 2010 | Structure Change | Acquired First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 4, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
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.
- Deposit market share
- 0.2% of deposits in MS, rank 59 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $700K approved, $700K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Jefferson Bank
What are The Jefferson Bank's total assets?
As of the Q2 2026 filing, The Jefferson Bank reported total assets of $210.8 million in its FFIEC call report.
Where is The Jefferson Bank headquartered?
It is headquartered in Greenville, MS, United States.
When was The Jefferson Bank founded?
It was established in 1901, per the FDIC institution directory.
Is The Jefferson Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Jefferson Bank?
The Jefferson Bank's primary federal regulator is the FDIC.
What is The Jefferson Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Jefferson Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Jefferson Bank's Texas Ratio?
Its Texas Ratio is 1.46% 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 The Jefferson Bank previously called?
The charter now named The Jefferson Bank has also operated as The Jefferson Bank (1997), per FDIC structure-change records.
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