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Jefferson Bank
San Antonio, TX·FDIC Cert #16470·Charter: STATE·Est. 19460812.0·HC: JEFFERSON BANCSHARES INC
Total Assets
$3.0B
Q4 2025
Return on Assets
0.99%
-0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
77.06%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.99%-0.04
ROE
13.14%-0.76
Efficiency
77.06%+0.65
Equity/Assets
0.00%+0.00
NPL Ratio
0.14%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
69.32%-5.53
Charge-offs
0.01%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.5 | 0.5 | 0.5 | 0.9 | 0.9 | 1.0 | 1.0 |
| ROE | 6.8 | 8.5 | 9.0 | 8.9 | 13.0 | 12.6 | 13.9 | 13.1 |
| Efficiency | 92.0 | 87.9 | 85.8 | 85.0 | 78.6 | 78.6 | 76.4 | 77.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.4 | 0.4 | 0.6 | 0.6 | 0.3 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 69.0 | 70.1 | 71.2 | 70.8 | 72.6 | 72.8 | 74.8 | 69.3 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.7B
Total Loans$1.9B
Total Equity$237.9M
Profitability
ROA0.99%
ROE13.14%
Efficiency Ratio77.06%
Net Income$28.3M
Risk & Asset Quality
NPL Ratio0.14%
Charge-off Rate0.01%
Loan/Deposit69.32%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans