Is Jefferson Bank Safe?
Jefferson Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (73/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.70% | 100/100 |
| Nonperforming Loan Ratio | 0.11% | 98/100 |
| Liquidity Ratio | 23.17% | 73/100 |
| Return on Assets | 3.76% | 100/100 |
| Total Assets | $0.2B | |
How does Jefferson Bank compare?
With a Bank Health Score of 93/100, Jefferson Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Mississippi, where 45 FDIC-insured banks are headquartered, Jefferson Bank ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 18.70% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.11% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Jefferson Bank's Bank Health Score held roughly steady at 93/100. Tier 1 capital weakened by 0.82 percentage points to 18.70%. Quarter-over-quarter, the score fell by 3.0 points.
Jefferson Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (73/100).