Jefferson Bank: how it compares with its peers
Against 48 TX banks with half to twice its assets, Jefferson Bank's strongest measure in Q2 2026 is net interest margin (3.67% vs. a 3.89% peer median). Its weakest relative measure is efficiency ratio (74.78% vs. 55.49%).
| Measure | Jefferson Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.60% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.89% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.78% | 55.49% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $9.2M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.01% | 77.51% | Context |
What it means for lending operations
Its efficiency ratio of 74.78% is above the 55.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- West Texas National Bank Midland, TX · $2.88B
- American First National Bank Houston, TX · $2.89B
- American Momentum Bank College Station, TX · $2.85B
- Texas Regional Bank Harlingen, TX · $2.95B
- TIB National Association Farmers Branch, TX · $2.96B
- Susser Bank Dallas, TX · $2.99B
Questions about Jefferson Bank
How big is Jefferson Bank?
Jefferson Bank, established in 1946, is headquartered in San Antonio, TX. It reported $2.88B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Jefferson Bank's return on assets?
1.09% annualized in Q2 2026, against a 1.60% median for 48 TX banks with half to twice its assets, ahead of 25% of them.
What is Jefferson Bank's efficiency ratio?
74.78% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 55.49%, and lower is better.
Is Jefferson Bank growing its loans?
Net loans grew 4.5% over the year to Q2 2026, while deposits grew 1.4%.
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 TX 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 Texas bank ranked.