Jeffersonville, NY · Cert 7123 · Jeffersonville Bcorp
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 0.1% share · #25 of 26 inst. · $0.0B of $19.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.64% | 1.69% | 1.99% | 1.94% | 1.91% | 1.93% | 1.90% | -10 bps | |
| Return on Equity | 16.08% | 13.23% | 13.35% | 15.71% | 14.76% | 13.94% | 13.78% | 13.53% | -218 bps | |
| Net Interest Margin | 4.10% | 4.19% | 4.32% | 4.55% | 4.55% | 4.53% | 4.44% | 4.54% | -1 bps | |
| Efficiency Ratio | 51.22% | 53.31% | 54.11% | 48.67% | 50.20% | 50.64% | 51.01% | 49.69% | +102 bps | |
| Non-Interest Burden | 1.80% | 2.00% | 2.08% | 1.92% | 2.03% | 2.04% | 2.03% | 1.98% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.52% | -8.69% | -5.30% | -4.03% | 2.97% | 6.54% | 3.34% | 4.54% | +857 bps | |
| Loan Growth (YoY) | 1.92% | 0.36% | 2.43% | 4.79% | 4.59% | 6.73% | 5.49% | 6.10% | +131 bps | |
| Deposit Growth (YoY) | -9.46% | -7.64% | -3.78% | -2.65% | 5.56% | 4.54% | 0.98% | 2.61% | +526 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.36% | 0.44% | 0.39% | 0.38% | 0.44% | 0.43% | 0.37% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.01% | -0.06% | 0.01% | -0.01% | -0.01% | 0.00% | +6 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.34% | 1.35% | 1.33% | 1.35% | 1.30% | 1.33% | -1 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.6x | 3.1x | 3.5x | 3.5x | 3.1x | 3.1x | 3.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.92% | 13.87% | 14.11% | 14.49% | 14.43% | 14.69% | 14.69% | 14.92% | +44 bps | |
| Total Risk-Based Capital | 12.92% | 13.87% | 14.11% | 14.49% | 14.43% | 14.69% | 14.69% | 14.92% | +44 bps | |
| Equity / Assets | 12.03% | 12.85% | 12.45% | 12.94% | 13.39% | 14.07% | 13.94% | 14.11% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.84% | 63.60% | 61.77% | 62.59% | 62.26% | 64.94% | 64.53% | 64.72% | +213 bps | |
| Liquid Assets / Assets | 9.96% | 9.81% | 13.73% | 13.06% | 12.89% | 10.95% | 11.81% | 12.00% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 153.04% | 154.74% | 154.32% | n/a | n/a | |