BlastPoint's Banking Scorecard
Jeff Bank
Community
Specialty: Commercial
NY
FDIC cert 7123
Jeffersonville, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Jeff Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 32% in Community
- + Profitability Leader: Top 44% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$661.8M
+6.5% YoY
-1.4% QoQ
|
-$729.6M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$357.7M
+6.7% YoY
+1.9% QoQ
|
-$617.8M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$558.4M
+4.5% YoY
-2.3% QoQ
|
-$606.2M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.89%
+13.2% YoY
+0.7% QoQ
|
+0.73% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.86%
+10.6% YoY
+0.4% QoQ
|
+1.20% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
50.86%
-4.2% YoY
-0.2% QoQ
|
-11.77% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.44%
+20.9% YoY
+16.0% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
64.07%
+2.0% YoY
+4.3% QoQ
|
-19.00% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.46%
+1.7% YoY
-0.7% QoQ
|
+13.41% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.31%
+13.3% YoY
+15.0% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.53%
-16.1% YoY
+34.0% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#49 of 150 · Top 32% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
34.46%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.86%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#164 of 371 · Top 44% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.89%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#179 of 642 · Bottom 28% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
Net Interest Margin
Current: 4.86% · Tier avg: 3.66%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.46% · Tier avg: 21.05%
89
89th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.16%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.07% · Tier avg: 83.06%
82
82th pctile
Efficiency Ratio
Current: 50.86% · Tier avg: 62.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Total Assets
Current: $661.8M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $558.4M · Tier avg: $1.2B
9
9th pctile
Total Loans
Current: $357.7M · Tier avg: $975.5M
Top Weaknesses
9
9th pctile
Total Loans
Current: $357.7M · Tier avg: $975.5M
22
22th pctile
Total Deposits
Current: $558.4M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $661.8M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
82
82th pctile
Efficiency Ratio
Current: 50.86% · Tier avg: 62.63%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.07% · Tier avg: 83.06%
89
89th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.16%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.46% · Tier avg: 21.05%
93
93th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.66%