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
Unfavorable gap of $13.5M · efficiency ratio beats 85% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 0.72% | 1.06% | 1.45% | Beats 91% | 67 / 746 | | |
| Return on Equity | 13.30% | 6.74% | 10.51% | 13.63% | Beats 72% | 211 / 746 | | |
| Net Interest Margin | 4.47% | 3.17% | 3.68% | 4.16% | Beats 86% | 102 / 746 | | |
| Efficiency Ratio | 50.34% | 55.74% | 64.58% | 75.47% | Beats 85% | 113 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.07% | Beats 55% | 339 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 335 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.92% | 11.55% | 13.75% | 17.60% | Beats 60% | 295 / 746 | | |
| Total Risk-Based Capital Ratio | 14.92% | 11.71% | 14.33% | 18.43% | Beats 55% | 334 / 746 | | |
| Equity / Assets | 14.11% | 8.90% | 10.51% | 13.06% | Beats 82% | 138 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.72% | 61.31% | 78.27% | 90.78% | 29th pctl | 527 / 746 | | |
| Loans / Assets | 54.63% | 53.60% | 66.97% | 76.08% | 26th pctl | 552 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |