# JEFFERSON BANK
SAN ANTONIO, TX · FDIC certificate 16470 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $2.88B | |
| Deposits | $2.60B | |
| Loans and leases | $1.97B | |
| Total equity | $246.2M | |
| Loans / deposits | 75.01% (p24 of band) | 87.10% |
| Liquid assets / assets | 24.57% (p63 of band) | |
| Uninsured deposits / deposits | 56.54% (p94 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.81% (p32 of band) | 10.50% |
| Unrealized securities loss / equity | -13.41% (p32 of band) | -7.75% |
| AOCI / equity | -0.52% (p34 of band) | |
| ROA (annualized) | 1.09% (p37 of band) | 1.26% |
| Net interest margin | 3.67% (p48 of band) | 3.70% |
| Efficiency ratio | 74.78% (p87 of band) | |
| Noncurrent loans | 0.75% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p38 of band) | |
| Reserve coverage of noncurrent | 109.65% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 77.68% (p77 of band) | |
| Auto loans | $3.7M (0.19% of loans; DQ 4.08%, NCO 0.00%) | |
| Loans to nondepository financials | $140,000 (0% of equity) (p72 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 405 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | construction >100% equity |  |
| 2012-12 | 1 |  | reserve under noncurrent, capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | construction >100% equity |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | construction >100% equity |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | construction >100% equity |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | construction >100% equity |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | construction >100% equity |  |
| 2019-09 | 0 |  | construction >100% equity |
| 2019-12 | 1 | construction >100% equity |  |
| 2020-03 | 0 |  | construction >100% equity |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2022-03 | 3 | construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits >50%, capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | uninsured deposits >50% |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity, uninsured deposits >50% |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | uninsured deposits >50%, expense ratio p90 | deposits shrinking |
| 2023-12 | 5 | capital falling |  |
| 2024-03 | 5 | NIM <2.5% | capital falling |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | securities losses >30% of equity, NIM <2.5% |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | expense ratio p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | assets shrinking |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 1 |  | construction >100% equity |
| 2026-06 | 1 |  |  |

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

- 2026-09-02 [The Best Banks in San Antonio, According to Locals - MySA](https://news.google.com/rss/articles/CBMibkFVX3lxTFB2TWlUU2gxb0hsMjlLWTNPaGxJMkY5RWRkNFA5SWswTEtsSzJHS2tCa09rbDc0Q2VHNDB5ZXFhRHhqOVM1SjhHSzROcWhFRmFsb19Ib0VVZ3dhQ0hzMFpIU2RFdE9lcHB4NkNpRTN3?oc=5) · MySA
- 2026-05-12 [Jefferson Bank adds new executives to leadership team - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOV0lOdUxtclJhcmJMdU91RDJFVFJkUTZNS3VQWGwyTms0T3lRTU81Q3N4N2pDZVRVSjRBZzE1X2dyUzdmMG5tUmNRNkRYZEJBcXR3Y0pFUXo2Q0ZEOXdkQ0xEb1JBVjRRVndvSVl6dnJUTk5MdnFzLVBpd0NucWNyckhJT0FaeUw3WTlZbWZfbGxzUjUxSTh2MmZ0SQ?oc=5) · The Business Journals
- 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
- 2020-11-19 [Jefferson Bank headquarters is under construction on Broadway - San Antonio Report](https://news.google.com/rss/articles/CBMipwFBVV95cUxPT1p1WGU2MFNIT24tUzN1dU5qUDg0Zm5ONUhlRi04Y1RUQjZEV2liUlIwQnN4bjZqNUhya2RzOWVYWlNNUVBKYmY3dFZ1Vmltdk1wNlJ4RjNRX1BCV0w1ZjJnV1c0ZXNnZEtQM2JvVndiWVdmSEpCOUJzcFg5NW5qemNDbjI3bEctQUlUbnJXUDA0SVdlYmdldlgxM0RxWm5hZjdFNHNaOA?oc=5) · San Antonio Report
- 2023-03-29 [Jefferson Bank chairman speaks on new headquarters, expansion, strength of banks - KSAT](https://news.google.com/rss/articles/CBMivwFBVV95cUxQTThaM0VscnNzd3lxQkdfLVVrekxQQkFPN1UzOGx6cUJkYkJLNHV3RVhFeDhhMGZxOFlvT1Yyd211a2JUTkhORXhIWFE4STFydlphUWR2ZEV2dktyNUNNRVVIc09XTkdPZXhBak9HdVBsMFJ4c2JVak82TFFmUEtRNHpUVzFNaTY0OE1Hbnh1d2lnVFhDZzBpaXgta2RhamdieWdKVHZCbG02OFV0cEhBZkFxb01ncFJId1p5V3pLZw?oc=5) · KSAT
- 2025-10-01 [San Antonio’s Texas Partners Bank being bought by Prosperity in $269M deal - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeUNTWlhsbElaeF9Xa0ZNY3ZMRExpdkt4aUpMT0Vya29Pb2FWQ1p4ZFZDamhmRUdiQ3VaTjI2MzVod18zLVNLa05iWFotSkpHYTFWMno0RkdfNlpWd1NoQXg2cWEzSDZ2OUxrTlNFWXNGaUJSbXR1QVVYWlhNczl1ZmFheVlwVnNHLTZYRlZ5cVh2ajZZdnZWQXdmVWx1Z2VlMnNSUTMycWs?oc=5) · San Antonio Express-News
- 2026-02-11 [San Antonio-born Jefferson Bank celebrates 80 years with opening of new branch - Community Impact](https://news.google.com/rss/articles/CBMixwFBVV95cUxPVGlrWXFZUS1IT29MbTJwamJsVDdfMWl4YVBFZzdZSng5UWpVSWcxcmFYQWFTSjRoY1FDamx0cENsMWZJWm50d0VCdVR5VXBsVG1ZUGFKMDQtcGEwSXNrQ2Mxc011SEtTWm5PMWNsNWxCcUNrYnBXNU0tYlhHeGFsaXljV3ZZNzg5QWNmM3FieEcwOGRfb3lqZDFoNW1zXzBTTnlvbFpIQ0Z4TUJSQXBfRHNRNk1WUF9zNWVjYThMZ0VnSnk4NlFV?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16470 (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/22.json (key "16470", 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