Jeff Bank, National Association: how it compares with its peers
Against 34 NY banks with half to twice its assets, Jeff Bank, National Association's strongest measure in Q2 2026 is return on assets (1.91% vs. a 0.75% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $7.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.91% | 0.75% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.88% | 3.65% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.34% | 72.10% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.6M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.86% | 88.09% | Context |
What it means for lending operations
Its efficiency ratio of 50.34% is better than the 72.10% 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
- Geddes Federal Savings and Loan Association Syracuse, NY · $686M
- Carver Federal Savings Bank New York, NY · $658M
- First National Bank of Scotia Scotia, NY · $719M
- Modern Bank, National Association New York, NY · $649M
- Spring Bank Bronx, NY · $641M
- Lake Shore Bank Dunkirk, NY · $736M
Questions about Jeff Bank, National Association
How big is Jeff Bank, National Association?
Jeff Bank, National Association, established in 1913, is headquartered in Jeffersonville, NY. It reported $686M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Jeff Bank, National Association's return on assets?
1.91% annualized in Q2 2026, against a 0.75% median for 34 NY banks with half to twice its assets, ahead of 100% of them.
What is Jeff Bank, National Association's efficiency ratio?
50.34% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 72.10%, and lower is better.
Is Jeff Bank, National Association growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 2.6%.
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 NY 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 New York bank ranked.