# JEFFERSON BANK
DALLAS, TX · FDIC certificate 34196 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $205.0M | |
| Deposits | $154.7M | |
| Loans and leases | $89.2M | |
| Total equity | $9.5M | |
| Loans / deposits | 56.21% (p23 of band) | 71.80% |
| Liquid assets / assets | 49.72% (p81 of band) | |
| Uninsured deposits / deposits | 3.34% (p20 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 19.51% (p94 of band) | |
| FHLB advances / assets | 19.51% | |
| Tier 1 leverage | 4.65% (p2 of band) | 9.80% |
| Unrealized securities loss / equity | 0.28% (p20 of band) | 2.62% |
| AOCI / equity | 6.83% (p94 of band) | |
| ROA (annualized) | -2.97% (p3 of band) | 0.68% |
| Net interest margin | 1.69% (p2 of band) | 3.84% |
| Efficiency ratio | 1077.64% (p100 of band) | |
| Noncurrent loans | 3.24% (p74 of band) | 1.53% |
| Net charge-offs (annualized) | 1.19% (p92 of band) | |
| Reserve coverage of noncurrent | 78.33% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 295.06% (p99 of band) | |
| Auto loans | $289,000 (0.32% of loans; DQ 8.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 35 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | wholesale funding >15%, leverage <7%, losing money, NIM <2.5%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 | leverage <5%, expense ratio p90 |  |

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

- 2026-09-02 [The Best Banks in San Antonio, According to Locals - mysanantonio.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFB2TWlUU2gxb0hsMjlLWTNPaGxJMkY5RWRkNFA5SWswTEtsSzJHS2tCa09rbDc0Q2VHNDB5ZXFhRHhqOVM1SjhHSzROcWhFRmFsb19Ib0VVZ3dhQ0hzMFpIU2RFdE9lcHB4NkNpRTN3?oc=5) · mysanantonio.com
- 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=34196 (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/20.json (key "34196", 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