The 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 Core deposits to total deposits: 7.36 percentage points lower than in Q1 2026, at 55.25%. Within Mississippi, The Jefferson Bank is 8th of 57 on return on assets, 1.94% as of Q2 2026, above the middle of the field. The Jefferson Bank's return on assets of 1.94% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.65% |
| Tier 1 risk-based capital ratio | 17.65% |
| Total risk-based capital ratio | 18.93% |
| Tier 1 leverage ratio | 16.65% |
| Equity capital to assets | 16.64% |
| Tangible equity to tangible assets | 16.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | -0.15% |
| Texas ratio | 1.46% |
| Allowance for credit losses to loans | 4.60% |
| Reserve coverage of non-performing loans | 1213.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.94% |
| Return on equity | 12.20% |
| Net interest margin | 5.05% |
| Efficiency ratio | 41.16% |
| Yield on earning assets | 7.76% |
| Cost of funds | 3.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.98% |
| Core deposits to total deposits | 55.25% |
| Brokered deposits to total deposits | 14.53% |
| Deposits to assets | 82.94% |
| Securities to assets | 15.97% |
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 | 19.52% | 19.52% | 20.79% | 20.51% | 10.44% |
| Q4 2023 | 19.32% | 19.32% | 20.60% | 19.45% | 0.03% |
| Q1 2024 | 18.98% | 18.98% | 20.26% | 18.80% | 3.09% |
| Q2 2024 | 18.70% | 18.70% | 19.98% | 18.44% | 2.24% |
| Q3 2024 | 19.86% | 19.86% | 21.14% | 18.91% | 2.01% |
| Q4 2024 | 19.87% | 19.87% | 21.16% | 19.01% | -0.54% |
| Q1 2025 | 20.35% | 20.35% | 21.64% | 19.33% | 2.16% |
| Q2 2025 | 19.87% | 19.87% | 21.16% | 19.76% | 2.24% |
| Q3 2025 | 20.00% | 20.00% | 21.29% | 19.08% | 1.70% |
| Q4 2025 | 20.60% | 20.60% | 21.89% | 17.99% | -1.17% |
| Q1 2026 | 18.59% | 18.59% | 19.87% | 17.33% | 2.35% |
| Q2 2026 | 17.65% | 17.65% | 18.93% | 16.65% | 1.94% |
The Jefferson Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11445) · FFIEC NIC profile (RSSD 703039)