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Jefferson Bank
San Antonio, TX · FDIC Certificate #16470 · Chartered 08/1
Total assets
$2.88B
Total deposits
$2.60B
Total equity
$246.23M
Net loans
$1.95B
Branches (offices)
13
Net income (YTD)
$15.78M
Rank: #445 of 4,213 U.S. banks by assets · #37 of 346 in Texas. Assets changed 2.6% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 13.07% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 8.56% |
| Tier 1 leverage ratio | 9.81% |
| Uninsured deposits (share of deposits) | 56.5% |
| Noncurrent loans (share of loans) | 0.75% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 75.0% |
| Real estate loans (share of loans) | 87.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.71B | 87.6% | |
| Commercial & industrial | $221.81M | 11.4% | |
| Consumer / individual | $34.51M | 1.8% | |
| Construction & development | $191.27M | 9.8% | |
| Agricultural | $18.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.79B | $2.63B | $15.32M | $141.63M |
| Jun 2023 | $2.78B | $2.48B | $9.21M | $155.48M |
| Jun 2024 | $2.94B | $2.61B | $7.17M | $174.23M |
| Jun 2025 | $2.80B | $2.56B | $12.94M | $211.05M |
| Jun 2026 | $2.88B | $2.60B | $15.78M | $246.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.60B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.60B.
Similar-sized banks
West Texas National Bank ($2.88B) · Baycoast Bank ($2.86B)
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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