Jefferson Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jefferson Security Bank of Shepherdstown, WV against its peer group of 2757 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 | 1.17% | 1.25% | -0.08% | 42nd below |
| ROAE | 17.69% | 12.22% | +5.47% | 78th top |
| Net Interest Margin | 3.68% | 3.95% | -0.27% | 35th below |
| Efficiency Ratio | 60.03% | 63.71% | -3.68% | 53rd above |
| PPNR / Avg Assets | 1.55% | — | — | 47th below |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 1.73% | 1.87% | -0.14% | 54th above |
| Net Interest Spread | 2.96% | — | — | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.88% | -0.87% | 86th top |
| NPA / Total Assets | 0.01% | — | — | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans | 1.12% | — | — | 40th below |
| ACL / NPLs (Coverage) | 11620.00% | — | — | — |
| Texas Ratio | 0.09% | 5.96% | -5.87% | 86th top |
| Provision / NCO | 375.00% | — | — | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.97% | 17.18% | -4.21% | 28th below |
| Tier 1 Ratio | 12.97% | 17.21% | -4.24% | 27th below |
| Total Capital Ratio | 14.22% | — | — | 29th below |
| Leverage Ratio | 8.39% | 11.75% | -3.36% | 5th bottom |
| Equity / Assets | 6.90% | 10.98% | -4.08% | 6th bottom |
| TCE / Tangible Assets | 6.90% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.70% | 80.44% | -0.74% | 52nd above |
| Core Deposit Ratio | 93.92% | 86.95% | +6.97% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.62% | — | — | 36th below |
| Loan Growth (Y/Y) | 5.34% | — | — | 49th below |
| Deposit Growth (Y/Y) | 3.85% | — | — | 48th below |
See Jefferson Security Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jefferson Security 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 Security 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 Security Bank peer analysis.