BlastPoint's Banking Scorecard
Jefferson Security Bank
Community
Specialty: Mortgage
WV
FDIC cert 9997
Shepherdstown, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
Jefferson Security Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 15% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11% in Community
- - Credit Risk Growth: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$562.2M
+4.7% YoY
+1.4% QoQ
|
-$829.3M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$401.8M
+6.2% YoY
+1.9% QoQ
|
-$573.7M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$519.1M
+4.9% YoY
+1.1% QoQ
|
-$645.5M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.79%
-1.2% YoY
+9.0% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.00%
+5.2% YoY
+2.9% QoQ
|
-0.66% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
67.62%
+1.1% YoY
-3.2% QoQ
|
+4.99% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.07%
+474.8% YoY
-3.5% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
77.40%
+1.3% YoY
+0.8% QoQ
|
-5.67% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
26.09%
+6.4% YoY
+2.0% QoQ
|
+5.04% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.05%
+483.1% YoY
-3.0% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? |
12.66%
+0.0% YoY
+1.7% QoQ
|
+2.42% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.42%
+0.2% YoY
+33.5% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#55 of 371 · Top 15% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Quality Pressure
risk
#86 of 808 · Bottom 11% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#153 of 642 · Bottom 24% 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
|
QoQ rank declining
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
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 21.05%
68
68th pctile
Loan-to-Deposit Ratio
Current: 77.40% · Tier avg: 83.06%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 10.24%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
33
33th pctile
Efficiency Ratio
Current: 67.62% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
18
18th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.66%
16
16th pctile
Total Deposits
Current: $519.1M · Tier avg: $1.2B
15
15th pctile
Total Loans
Current: $401.8M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $562.2M · Tier avg: $1.4B
Top Weaknesses
9
9th pctile
Total Assets
Current: $562.2M · Tier avg: $1.4B
15
15th pctile
Total Loans
Current: $401.8M · Tier avg: $975.5M
16
16th pctile
Total Deposits
Current: $519.1M · Tier avg: $1.2B
18
18th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.66%
23
23th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
33
33th pctile
Efficiency Ratio
Current: 67.62% · Tier avg: 62.63%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 10.24%
68
68th pctile
Loan-to-Deposit Ratio
Current: 77.40% · Tier avg: 83.06%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 21.05%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%