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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