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Jeff Bank

Jeffersonville, NY · Cert 7123 · Jeffersonville Bcorp

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jeff Bank

Jeffersonville, NY · Cert 7123 · Jeffersonville Bcorp

State charter, non-member · FDIC · 10 branches

Q2 2026

$686.2MAssets
$374.9MLoans
$579.2MDeposits
$96.8MEquity
Loan mix
91%RE $329.3M8%C&I $29.8M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $384.3M34%Noninterest $194.9MQ2 2025Q2 2026

NIM

4.49%Q2 ’244.61%Q2 ’254.66%Q2 ’26+12%+1%

Non-interest income vs. expense

2.47%Q2 ’242.56%Q2 ’252.51%Q2 ’26+8%0%

Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 0.1% share · #25 of 26 inst. · $0.0B of $19.5B

37.3% Sullivan
0.3% Orange

Executive Summary

  • Earnings: ROA of 1.91%, up 6 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.37% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.92%, up 44 bps from a year ago.
  • Funding: loans stand at 64.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.91%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.47%+4 bps YoY

Efficiency Ratio (YTD, annualized)

50.34%-98 bps YoY

Tier 1 Leverage Ratio

14.92%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.88%1.89%1.93%1.91%+6 bps
Return on Equity14.50%14.57%14.41%13.78%13.62%-89 bps
Net Interest Margin4.43%4.38%4.43%4.44%4.47%+4 bps
Efficiency Ratio51.32%50.94%50.86%51.01%50.34%-98 bps
Non-Interest Burden2.00%1.97%1.99%2.03%1.99%0 bps
Growth
Asset Growth (YoY)-4.03%2.97%6.54%3.34%4.54%+857 bps
Loan Growth (YoY)4.79%4.59%6.73%5.49%6.10%+131 bps
Deposit Growth (YoY)-2.65%5.56%4.54%0.98%2.61%+526 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.38%0.44%0.43%0.37%-2 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.02%-0.01%0.00%+3 bps
Allowance / Loans1.35%1.33%1.35%1.30%1.33%-1 bps
Allowance Coverage of NPLs3.5x3.5x3.1x3.1x3.6x+0.1x
Capital
Tier 1 Leverage Ratio14.49%14.43%14.69%14.69%14.92%+44 bps
Total Risk-Based Capital14.49%14.43%14.69%14.69%14.92%+44 bps
Equity / Assets12.94%13.39%14.07%13.94%14.11%+117 bps
Liquidity & Funding
Loans / Deposits62.59%62.26%64.94%64.53%64.72%+213 bps
Liquid Assets / Assets13.06%12.89%10.95%11.81%12.00%-107 bps
CRE / Total Capitaln/a153.04%154.74%154.32%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Jeff Bank

Jeffersonville, NY · Cert 7123 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jeffersonville Bcorp

State charter, non-member · FDIC · 10 branches

Q2 2026

$686.2MAssets
$374.9MLoans
$579.2MDeposits
$96.8MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 91% of banks under $1B in assets operating in a single state (rank 67 of 746).
  • Widest gap: total risk-based capital ratio trails 45% of banks under $1B in assets operating in a single state (rank 334 of 746).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.88%

Rank 67 of 746

Net Interest Margin

4.47%

Rank 102 of 746

Efficiency Ratio

50.34%

Rank 113 of 746

Equity / Assets

14.11%

Rank 138 of 746

Non-interest income vs. expense

$3.5M$16.9MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 85% of banks under $1B in assets operating in a single state
Bank 50.34%Peer median 64.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.88%0.72%1.06%1.45%Beats 91%67 / 746
Return on Equity13.30%6.74%10.51%13.63%Beats 72%211 / 746
Net Interest Margin4.47%3.17%3.68%4.16%Beats 86%102 / 746
Efficiency Ratio50.34%55.74%64.58%75.47%Beats 85%113 / 746
Asset Quality
Nonperforming Loans / Loans0.37%0.09%0.42%1.07%Beats 55%339 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 55%335 / 743
Capital
Tier 1 Capital Ratio14.92%11.55%13.75%17.60%Beats 60%295 / 746
Total Risk-Based Capital Ratio14.92%11.71%14.33%18.43%Beats 55%334 / 746
Equity / Assets14.11%8.90%10.51%13.06%Beats 82%138 / 746
Liquidity & Funding
Loans / Deposits64.72%61.31%78.27%90.78%29th pctl527 / 746
Loans / Assets54.63%53.60%66.97%76.08%26th pctl552 / 746
Brokered Deposits / Depositsn/aNot reported for this institution