BlastPoint's Banking Scorecard
Jefferson Bank
Community
Specialty: Commercial
TX
FDIC cert 16470
San Antonio, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Jefferson Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.99% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+4.3% YoY
+7.2% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$1.9B
+0.8% YoY
-0.4% QoQ
|
+$912.5M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.7B
+3.0% YoY
+7.6% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
0.99%
+81.1% YoY
-4.1% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.40%
+27.3% YoY
+0.8% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
77.06%
-9.4% YoY
+0.8% QoQ
|
+14.43% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.14%
-77.7% YoY
+36.5% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
69.32%
-2.2% YoY
-7.4% QoQ
|
-13.74% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
34.03%
+6.9% YoY
+6.9% QoQ
|
+12.99% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-78.7% YoY
+13.2% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
12.66%
+7.4% YoY
+2.6% QoQ
|
+2.42% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
1.14%
+8.7% YoY
+21.8% QoQ
|
+0.40% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Community
Why this stands out
Current:
34.03%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 34.03% · Tier avg: 21.05%
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.32% · Tier avg: 83.06%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 10.24%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
14
14th pctile
Efficiency Ratio
Current: 77.06% · Tier avg: 62.63%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 77.06% · Tier avg: 62.63%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 10.24%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.32% · Tier avg: 83.06%
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 34.03% · Tier avg: 21.05%
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B