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The Jefferson Bank
Greenville, MS · FDIC Certificate #11445 · Chartered 01/0
Total assets
$210.78M
Total deposits
$174.82M
Total equity
$35.08M
Net loans
$156.73M
Branches (offices)
3
Net income (YTD)
$2.25M
Rank: #2,910 of 4,213 U.S. banks by assets · #48 of 57 in Mississippi. Assets changed 16.6% and deposits 18.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.22% |
| Return on equity | 13.20% |
| Net interest margin (YTD) | 5.36% |
| Equity to assets | 16.64% |
| Tier 1 leverage ratio | 16.65% |
| Uninsured deposits (share of deposits) | 25.5% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | -0.08% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 68.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $107.74M | 68.7% | |
| Commercial & industrial | $10.74M | 6.9% | |
| Consumer / individual | $83.00K | 0.1% | |
| Construction & development | $13.38M | 8.5% | |
| Agricultural | $45.62M | 29.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $168.59M | $136.17M | $1.64M | $22.02M |
| Jun 2023 | $146.10M | $116.25M | $2.04M | $24.46M |
| Jun 2024 | $175.84M | $144.31M | $2.30M | $30.22M |
| Jun 2025 | $180.80M | $147.18M | $1.91M | $32.78M |
| Jun 2026 | $210.78M | $174.82M | $2.25M | $35.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $174.82M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $174.82M.
Similar-sized banks
F & M Community Bank, National Association ($211.09M) · Iowa Trust And Savings Bank ($210.61M)
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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