Jefferson Bank (FDIC #16470): Bank Stress & Real-Estate Credit Exposure
Jefferson Bank (FDIC Cert #16470): bank stress 74/100, elevated, STABLE over 7 days; parent JEFFERSON BANCSHARES INC.
Jefferson Bank (#16470) lends in 4 counties across 1 state; Jefferson Bank (#16470) reaches 155 ZIP codes: Texas 4 counties, 155 ZIPs.
Jefferson Bank (#16470) largest markets: Bexar County, TX (780 branches, 78 ZIPs) (#16470), Travis County, TX (63 branches, 63 ZIPs) (#16470), Comal County, TX (14 branches, 14 ZIPs) (#16470), Kendall County, TX (9 branches, 9 ZIPs) (#16470).
Jefferson Bank (#16470) reports $2.88 billion in total assets; Jefferson Bank (#16470) equity $246.2 million (8.6% of Jefferson Bank (#16470) assets); Jefferson Bank (#16470) domestic deposits $2.60 billion; Jefferson Bank (#16470) net income $15.8 million; Jefferson Bank (#16470) return on assets 1.09%; Jefferson Bank (#16470) return on equity 13.07%; Jefferson Bank (#16470) net interest income $48.3 million; Jefferson Bank (#16470) call report June 30, 2026.
Jefferson Bank (#16470) noncurrent real-estate loans 0.04% of its book; Jefferson Bank (#16470) multifamily 0.02%; Jefferson Bank (#16470) residential 0.02%; Jefferson Bank (#16470) net charge-offs on real estate 0.82%; Jefferson Bank (#16470) multifamily charge-offs 0.17%; Jefferson Bank (#16470) residential charge-offs 1.23%.
Jefferson Bank (#16470) net interest margin 3.67% against an eight-quarter Jefferson Bank (#16470) average of 3.20% (Jefferson Bank (#16470) compression -0.47 points); Jefferson Bank (#16470) real-estate loans 3.9% of equity; Jefferson Bank (#16470) non-residential real estate 123.4% of equity; Jefferson Bank (#16470) rate-exposure score 40/100, Jefferson Bank (#16470) fixed-rate trap 40/100; Jefferson Bank (#16470) risk type credit driven; Jefferson Bank (#16470) rate regime rates elevated, Jefferson Bank (#16470) snapshot October 20, 2026.
Jefferson Bank (#16470) stress score moved from 72.8 on June 22, 2026 to 73.7 on October 20, 2026; Jefferson Bank (#16470) ranged 72.8 to 73.7 over 117 snapshots.
Jefferson Bank (#16470) alerts: 4 counties; top Jefferson Bank (#16470) alert scores: Austin County, TX 23 (low); Boerne County, TX 23 (low); New Braunfels County, TX 23 (low); San Antonio County, TX 23 (low).