# JEFF BANK
JEFFERSONVILLE, NY · FDIC certificate 7123 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $686.2M | |
| Deposits | $579.2M | |
| Loans and leases | $374.9M | |
| Total equity | $96.8M | |
| Loans / deposits | 63.86% (p17 of band) | 82.04% |
| Liquid assets / assets | 39.73% (p82 of band) | |
| Uninsured deposits / deposits | 17.25% (p19 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.44% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.92% (p89 of band) | 10.81% |
| Unrealized securities loss / equity | -6.26% (p56 of band) | -8.10% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 1.91% (p84 of band) | 1.28% |
| Net interest margin | 4.88% (p91 of band) | 3.91% |
| Efficiency ratio | 50.34% (p19 of band) | |
| Noncurrent loans | 0.37% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 359.53% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 17.44% (p22 of band) | |
| Auto loans | $410,000 (0.11% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 109 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 | noncurrent p90 | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | charge-offs p90 |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity | capital falling, charge-offs p90 |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 0 |  | reserve under noncurrent, noncurrent p90, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity, deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2025-06 | 0 |  | assets shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-01 [Jeff Bank Moves Under OCC Supervision - Banking Exchange](https://news.google.com/rss/articles/CBMilAFBVV95cUxOSlVuSXhzMVlRWTRSTVdsTklKZVAzTzlqNU1aZXJIaTN5TFZYSVRCcE5WUGhRYWVUZlRWODF4YTl5VHZRS09rVjY3UmdINWJRYmZQUGw1dTB4TW1SX2oyU05JV2pYT3dzM2QxRXl4cUdYT3FQVmRPMVVVc01ySVhuRklsSnNaN2RaYXJpZGtiNjFjZncz?oc=5) · Banking Exchange
- 2026-03-22 [Jeff Bank announces recent promotions - The River Reporter](https://news.google.com/rss/articles/CBMiigFBVV95cUxQeDAwVS1LY2J1TGI1S3Zkdkp0RGJYaXlEZUZzVUxQWFFTeHZEeTlJOS1QRDdkRFJZb2YxVUlwcjFXU1ZHc29kZUVhWUpUT19ZMFo5T0htYXZSY2UzSnZWeVpwR2VOS0MwOW5ITE1vdkVhUDdJQkNyZjg4UEtLZDNIM25GWVNVb1dJUUE?oc=5) · The River Reporter
- 2026-08-31 [Jeff Bank will join the Federal Reserve Bank system on Sept. 1 - Stock Titan](https://news.google.com/rss/articles/CBMivwFBVV95cUxNamp4YzZqUXZyTmhPSndFbUpoSVRXT0xraXlkMk5WXzlEcjhXUXVNUVFaUlh2QkJzVlE0TlBaSmxWMHpYX1d6eE9qS1hHU1Y0Z0ZqeXlod25iNkNtWmQxeXdOdC1KdXd1NnpUdDBGY0E5aWtPTWwxVmRhLTE3V0JfQXp4eC1rU1RfaU41TVZOM3lzU3o3dngxWDJPWF8xZ29uRGJQdERLWkRxRjRMT2ZwQndMNnBiTnRoVGRXVWNhbw?oc=5) · Stock Titan
- 2026-08-31 [Jeff Bank Completes Requirements for Conversion to National Charter and Changes Name to Jeff Bank, National Association - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-05-26 [Sullivan County Chamber of Commerce has new leadership - The River Reporter](https://news.google.com/rss/articles/CBMioAFBVV95cUxPeG85SktxeWl5MmVXa1NVX1RYUkpvR1IyT3lUX05HX0xNMjgxcDdoOWtTVExGSHctVlJuOFl3SlE1YW1xbUFqYkhxSTA3WG9abDgtSmM1cEVWV0hocEdSMXpuaWxYcDB5dHpqT2JYOEpLNlYzSmY4Z043b3dLWE83QVdabFVnU1BVSk5INlNpV0hWTDBlYno2WkdsSm9yaHVZ?oc=5) · The River Reporter
- 2025-03-28 [Rhonda Decker leaves lasting legacy after 41-year career at Jeff Bank - scdemocratonline.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQSXBZdmQwdW9QWmxCY09Wd2did3BtZGdaRmx1MnAxMGp1Y0p1MDMzdU5uNW4ydWYxMHZLSHZ6cVVPdUFDT0Y1NlJmRVg1Q211Mjl1OU5HNGM1blBRUnN3ZmxNb280SmpEeXRQWUVLNmtVLVoxQ1ZxX2RvQnNUY2xMYzhJWnpPM1FJRzZjUmhtYUVYNDY1UGFmT3VXTE9tbDJLazRmMGRzQmNVbmk4ajBwQUZpelVtWTBu?oc=5) · scdemocratonline.com
- 2024-10-08 [Jeffersonville Bancorp and Jeff Bank Director Philip Coombe, III Retires - citybiz.co](https://news.google.com/rss/articles/CBMirwFBVV95cUxOVjhNSmdsZGJOcVlPY0k2YjVRTTN2ZjlHLTdFeEhoZjAtbmVlRGFlczc1aF9hQnR0WWxqS2paeVBNVHNBd0NaQmhpRHZpdEJpSTVfc0ZReGgzU01jOU9jY0dQb0kyamYyNV9aZEFXMHhQSGtDd1VGQl9leXk1aklMdThnX1lMRGRkN3FoTDlhaW8zbUJfWHplT3NkXzFfSVlpMjJRZFE2aGlsMl93OThN?oc=5) · citybiz.co
- 2021-09-14 [Carmine’s Italian Restaurant is primed to reopen in Times Square as Broadway shows resume - restaurantbusinessonline.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNdE9MaXhoSVpwV290QTVHeGtGSmxZQUlGTFg5OVZ1aEwzdndyQzZwZHNtQWRma0R0SEs4ODgzQjR3M280OVBGNGEtMWNBVS0xcFJ5QjFfUUN0ZndkemFzeGxVMXdON0tBYXYxeDlDWkhCRlRxVVZPOGtRS1BRNFJFU0o1U1Rtei1xaXNOSXQ2WjNJSmZPZmFVTGNxNXJPXzVlTE5OanFWVFBCdG9ET184cko3Vm1ELVRZU0tBdWU4Y3dKZw?oc=5) · restaurantbusinessonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7123 (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/19.json (key "7123", 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