# JEFFERSON BANK
GREENVILLE, MS · FDIC certificate 11445 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $210.8M | |
| Deposits | $174.8M | |
| Loans and leases | $164.3M | |
| Total equity | $35.1M | |
| Loans / deposits | 89.66% (p79 of band) | 73.59% |
| Liquid assets / assets | 20.53% (p23 of band) | |
| Uninsured deposits / deposits | 25.45% (p70 of band) | 19.81% |
| Brokered deposits | 12.05% | |
| Wholesale funding | 12.05% (p87 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.65% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -4.66% (p58 of band) | -6.57% |
| AOCI / equity | -0.06% (p66 of band) | |
| ROA (annualized) | 2.22% (p90 of band) | 1.17% |
| Net interest margin | 5.36% (p95 of band) | 3.93% |
| Efficiency ratio | 41.14% (p4 of band) | |
| Noncurrent loans | 0.38% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p4 of band) | |
| Reserve coverage of noncurrent | 1213.00% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 38.14% (p71 of band) | |
| Auto loans | $33,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 18.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | deposits shrinking, assets shrinking |  |
| 2012-12 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 3 | brokered >10%, capital falling |  |
| 2015-12 | 0 |  | wholesale funding >15%, brokered >10%, capital falling |
| 2016-03 | 2 | brokered >10%, uninsured deposits leaving |  |
| 2016-06 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 2 | uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2017-03 | 2 | brokered >10%, wholesale funding >15% | capital falling, uninsured deposits leaving |
| 2017-06 | 3 | uninsured deposits leaving |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2018-06 | 5 | loans exceed deposits, uninsured deposits leaving | assets shrinking |
| 2018-09 | 5 |  |  |
| 2018-12 | 3 | capital falling | deposits shrinking, loans exceed deposits, uninsured deposits leaving |
| 2019-03 | 1 |  | wholesale funding >15%, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | assets shrinking |  |
| 2019-12 | 2 | charge-offs p90 | assets shrinking |
| 2020-03 | 3 | uninsured deposits leaving |  |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 2 | capital falling | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | brokered >10% |
| 2021-06 | 1 | deposits shrinking | capital falling |
| 2021-09 | 2 | assets shrinking |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2022-06 | 0 |  | uninsured deposits leaving |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 2 | brokered >10% |  |
| 2024-09 | 2 | wholesale funding >15% | capital falling |
| 2024-12 | 0 |  | brokered >10%, wholesale funding >15% |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | brokered >10% |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | brokered >10% |
| 2026-06 | 2 | brokered >10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-10 [Civil rights efforts build toward Jefferson Bank in 1963: Revisiting St. Louis history - stltoday.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcFoydkZkcWpEUGNRS3pVT1RiakdLazFzTzl1SzhHMk15WVJoaGxFaVdfSElmRHlhQkNKQzlTSGFQelJPVUVxbkFyakFXYVpDYVp3MFRWTHoyejJwN0ZMZ0p1emRIR3FIdXcyc08zd3JlZkZUZG5HeEpjUmNkUGtYWC0yMFZrVkU3enNTaFJLYUM5Zw?oc=5) · stltoday.com
- 2026-02-13 [Jefferson Bank opens new branch in Alamo Heights amid Texas banking consolidation - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPRmRjdG0wNWIwU09qN0pIUWZGR202eDhmM3J2MEo5dFQwQjU4a2E2Tnc3d3ljN0VNN1Q5NWJqTFgxLVNGa1pNZmdULUZIMzE3eEVCblVkcFk1bFJPaUdLbG00NW1WXzVtT2t6WlNaZlVwSC1EVDZiRGd6Szk4NVF0MjgtNlhFdW01VDU4Ykk3M3FvamVINUV3c2ZDSHluVWI4bnhJ?oc=5) · The Business Journals
- 2025-08-19 [‘The desire to sell, honestly, is not there’ - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSC1VN0hRS2lQYlEybmFleWRDcm9qMFRVMW5ETExabjd1ZnNHQ1NpalpoMVgxRG5ZOGstbGpTSWsxYVBkck0xcHZWblpqV1R2WkhNZzJRdHRqUDlZbnJjQzBIbTRkMEt0a2U1YjZ6Y2FDOTJDM3YzTTRCOHlJdFhBazc4UVhTeUpxUzNPX25YOXRVSDN1QU1B?oc=5) · Banking Dive
- 2026-01-21 [Jefferson Bank promotes from within as CEO retires after 26 years - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZm1VNF9GYlFnWG1nb2VhdTNFaGlPSVhPeTh3WFpvQlRTLVJqaThRUlRhX0VUZVgtTmxmMWhhMVQ1aVFiZ1FqMW8tZHBpbWNPY1c1VDdKamhZamRMSkhCWWg3N0s4WDF6WGVlN21lNDVxTThJbmZHRHdFdDlxQTJPSXJ4ZlFETU9yX1d1dTF1Wm81WFZwQXRXdlJRaDY0TGUyby1yWUVaRQ?oc=5) · The Business Journals
- 2013-08-30 [Jefferson Bank movement turns 50; protesters from far and near recall segregated St. Louis - STLPR](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPeEFjeHRrbEFMTU1ieUliTkh0OE5aUW5lc0lDdHUwQTgzSnJ4Sl9uWHJxNmg1UlQ2RkJiczRpcU5kbGhiMEpvVUM2RVdZcmV1YlRjWUpka01lRFpobndYQkJFSVJuX25GR1V4UmJucmtoRGZEQ1Z5RzEzVFJ2Mm5uOVNsQWdTbGxzR2M0ZGVRY1NseG0ydzdsQURuVVVoY2MzalhUa0RmdWlsNFViLUVhaUo3aE5hTUM4dmxfamJvUGl5RXlmMmxHWUQyOXpyRlZHZ1dUVGp0c3FGcngwSVFyZmxB?oc=5) · STLPR
- 2016-03-28 [Community, Local Banks Celebrate Their History, Look to the Future - San Antonio Report](https://news.google.com/rss/articles/CBMikAFBVV95cUxObVBRVVUzOHJYdnlwU3Fweld4VXVFdzFLUWVNNVdrQ1huUldFdlRoWS1TdzdFT0JSOFBCcEducUtaNXhBYzFSeG9qMVFGMWU4Z2xBTlZLVlVoZF9HNWJsbUIyZi1fZHc5RVM5Tm9Wck5qRGRMWVFEeUM5cU5MMkN5X0lnUkswMFM3YmdnWDlSUmQ?oc=5) · San Antonio Report
- 2024-05-01 [New San Antonio sandwich, coffee shop days away from opening - MySA](https://news.google.com/rss/articles/CBMihwFBVV95cUxPZGZHcnc4VkZhUVZlNFhZdHFfWDVzZEwzVkQzUlNSU2d0eUdjZUI3TFh6MmhmbXloMU91cTV3V3BkUXpZcnhtSFNCMWFGLWhoSnJRSTMyNjZLeDNfRWRURjM4eE4yQzBLZDl2Q3RoNHgwQmsxZS05X3BXMkZ0N1hQSzZmWFBZb3c?oc=5) · MySA
- 2015-08-07 [Career robber gets 10 years for $40K Jefferson bank heist - Morris County NJ News | Daily Record](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZFo5ZTNQWmZKc2dxOV9adW1TTXZrLXpPeEVWR3pYX3lOZjJtaGRURU9xZzNIdjlJN3NxaUVIalBZX1V3TElBM19uRmdWNzhDc3N1dGwxbVRWb3dtSmRtdzBBQ000X29FaG43Z2ItWnlTdEV2clJVV0ppLVVNOVdtQWRScVRJa3NWM1A5WXFmSHRMZHF0dUVqb0w3ZVFMYXNpNzZyZU5NdEphTkI5VHZGMw?oc=5) · Morris County NJ News | Daily Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11445 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "11445", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide