The Jefferson Bank: how it compares with its peers
Against 23 MS banks with half to twice its assets, The Jefferson Bank's strongest measure in Q2 2026 is efficiency ratio (41.14% vs. a 65.68% peer median). Its weakest relative measure is return on assets (2.22% vs. 1.01%).
| Measure | The Jefferson Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.22% | 1.01% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.36% | 3.81% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.14% | 65.68% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.4M | $5.3M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.66% | 63.91% | Context |
What it means for lending operations
Its efficiency ratio of 41.14% is better than the 65.68% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Merchants and Planters Bank Raymond, MS · $199M
- Bank of Wiggins Wiggins, MS · $228M
- Bank of Anguilla Anguilla, MS · $192M
- Commerce Bank Corinth, MS · $168M
- Bank of Brookhaven Brookhaven, MS · $262M
- Bank of Winona Winona, MS · $143M
Questions about The Jefferson Bank
How big is The Jefferson Bank?
The Jefferson Bank, established in 1901, is headquartered in Greenville, MS. It reported $211M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Jefferson Bank's return on assets?
2.22% annualized in Q2 2026, against a 1.01% median for 23 MS banks with half to twice its assets, ahead of 91% of them.
What is The Jefferson Bank's efficiency ratio?
41.14% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 65.68%, and lower is better.
Is The Jefferson Bank growing its loans?
Net loans grew 24.0% over the year to Q2 2026, while deposits grew 18.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.