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Jeff Bank, National Association
Jeffersonville, NY · FDIC Certificate #7123 · Chartered 10/0
Total assets
$686.25M
Total deposits
$579.20M
Total equity
$96.80M
Net loans
$369.87M
Branches (offices)
10
Net income (YTD)
$6.44M
Rank: #1,391 of 4,213 U.S. banks by assets · #65 of 115 in New York. Assets changed 4.5% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.91% |
| Return on equity | 13.62% |
| Net interest margin (YTD) | 4.88% |
| Equity to assets | 14.11% |
| Tier 1 leverage ratio | 14.92% |
| Uninsured deposits (share of deposits) | 17.2% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 63.9% |
| Real estate loans (share of loans) | 90.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $334.88M | 90.5% | |
| Commercial & industrial | $30.85M | 8.3% | |
| Consumer / individual | $2.77M | 0.7% | |
| Construction & development | $16.88M | 4.6% | |
| Agricultural | $3.44M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $710.41M | $648.46M | $3.64M | $55.85M |
| Jun 2023 | $682.62M | $614.44M | $6.28M | $61.52M |
| Jun 2024 | $683.96M | $579.85M | $5.48M | $72.29M |
| Jun 2025 | $656.42M | $564.48M | $5.94M | $84.94M |
| Jun 2026 | $686.25M | $579.20M | $6.44M | $96.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $579.20M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $579.20M.
Similar-sized banks
Legacy Bank ($686.47M) · Asian Bank ($685.89M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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