The Jefferson Bank
Greenville, MS·RSSD 703039·FDIC 11445·bank:703039·Risk-based ratios where reported
- #48 of 57Total assets in Mississippi
- 3offices
- 17employees
- #1 of 53Efficiency in Mississippi
- Top 5%Loan growth in the U.S.
- Top 7%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at The Jefferson Bank
12 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal 2nd quarter16.1%peers 21.6%-5.6 pp
The Jefferson Bank's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 16.1% | 21.6% | -5.6 pp |
| Time deposits' share of deposits | ||
| 75.3% | 33.1% | +42.2 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Jefferson Bank itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal5.08%peers 4.03%+105 bps
The Jefferson Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.08% | 4.03% | +105 bps |
| Cost of all deposits | ||
| 3.10% | 1.68% | +141 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Jefferson Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter16.65%peers 11.33%+5.3 pp
The Jefferson Bank's leverage ratio fell 3.1 percentage points over the past year to 16.65%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 16.65% | 11.33% | +5.3 pp |
| 12-month change | ||
| -3.1 pp | +0.1 pp | -3.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Jefferson Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+23.1%peers +5.3%+17.8 pp
The Jefferson Bank's loans grew 23.1% over the past year to $164 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +23.1% | +5.3% | +17.8 pp |
| Loans | ||
| $164 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Jefferson Bank itself is left out of every peer median and percentile. How signals work
8 more observations
- Funding pressure buildingFunding
- Reliance on CDs rising while the peer median holds steadyFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Fee and other noninterest income among the lowest of similar banksEarnings
- Deposit costs rising while the peer median fallsFunding
- Deposit costs among the highest of similar banksFunding
- Net interest margin narrowing while the peer median widensEarnings
- Deposits growing faster than peersFunding
Key facts
- The Jefferson Bank is a bank headquartered in Greenville, Mississippi. It reported $211 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $175 million, up 18.8% from a year earlier, and loans totaled $164 million, up 23.1%.
- Its net interest margin was 5.08% and its annualized return on assets was 2.05% for the quarter.
- Its cost of all deposits was 3.10%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The Jefferson Bank's own data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
Analysis workspaces
Sources and identifiers
- Institution
- The Jefferson Bank · Bank
- Federal Reserve RSSD
- 703039
- FDIC certificate
- 11445
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Jefferson Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.06M | — | |
| $3.79M | — | |
| $1.32M | — | |
| $2.46M | — | |
| $25K | — | |
| $1.03M | — | |
| $0 | — | |
| $0 | — | |
| 2.05% | 2.04%ROAQ · Quarter | |
| 5.08% | 5.06%NIMYQ · Quarter | |
| 41.22% | 41.22%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.