BlastPoint's Banking Scorecard
The Jefferson Bank
Micro
Specialty: Agricultural
MS
FDIC cert 11445
Designations: ✓ Community bank
Greenville, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
The Jefferson Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.16% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.6M
+13.9% YoY
+7.1% QoQ
|
-$21.9M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$117.9M
+0.8% YoY
-9.5% QoQ
|
-$21.3M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$161.5M
+15.4% YoY
+9.2% QoQ
|
-$22.2M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.19%
-31.4% YoY
-41.9% QoQ
|
+0.10% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
5.01%
-7.3% YoY
-4.9% QoQ
|
+1.16% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
64.14%
-6.7% YoY
+43.7% QoQ
|
-3.59% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.52%
+327.4% YoY
+10.5% QoQ
|
-0.12% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
73.02%
-12.6% YoY
-17.1% QoQ
|
-1.51% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
26.26%
-3.1% YoY
+23.6% QoQ
|
+3.87% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.31%
+278.1% YoY
-6.7% QoQ
|
-0.14% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
20.60%
+3.7% YoY
+3.0% QoQ
|
+11.75% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.07%
-70.5% YoY
+47.4% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.01%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.60% · Tier avg: 8.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.26% · Tier avg: 22.39%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.02% · Tier avg: 74.53%
55
55th pctile
Efficiency Ratio
Current: 64.14% · Tier avg: 67.73%
50
50th pctile
Total Assets
Current: $195.6M · Tier avg: $217.5M
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
49
49th pctile
Total Deposits
Current: $161.5M · Tier avg: $183.7M
48
48th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
44
44th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.45%
49
49th pctile
Total Deposits
Current: $161.5M · Tier avg: $183.7M
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
50
50th pctile
Total Assets
Current: $195.6M · Tier avg: $217.5M
55
55th pctile
Efficiency Ratio
Current: 64.14% · Tier avg: 67.73%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.02% · Tier avg: 74.53%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.26% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.60% · Tier avg: 8.85%
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%