Jefferson Bank

Headquarters

18333 Preston Road, Suite 100
Dallas, TX 75252
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Jefferson Bank is an FDIC insured institution located in Dallas, TX. It was founded in 1996 and has approximately $0.2 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34196
Date Established 1996
Assets $ 205.00 million
Loans $ 86.95 million
Deposits $ 154.67 million
Capital $ 9.55 million
 

For a more detailed analysis of Jefferson Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 25, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Jefferson Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.567% 2.500% 0.88 $2,216 $988 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Jefferson Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Jefferson Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Jefferson Bank Locations


Financial Details

Jefferson Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Jefferson Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Jefferson Bank U.S. Bank Average
85.57% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Jefferson Bank had $2,889,000 in non-current loans and $7,218,000 in owned real estate. To cover these potential losses it had $9,548,000 in equity and $2,263,000 in loans loss reserves. That gives it a Texas Ratio of 85.57%.

Return on Equity
Jefferson Bank U.S. Bank Average
-57.31% 7.80%

Jefferson Bank has a Return on Equity of -57.31% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Jefferson Bank U.S. Bank Average
4.66% 12.68%

Jefferson Bank has a Capitalization of 4.66% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Jefferson Bank Balance Sheet Analysis

As of June 30, 2011, Jefferson Bank had assets of $204,996,000, loans of $86,948,000, and deposits of $154,671,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 86.95 million
Loan loss allowance $ 2.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 7.22 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 154.67 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 205.00 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Jefferson Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Jefferson Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Jefferson Bank

Branches and Savings

Is Jefferson Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34196.

Why does Jefferson Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Jefferson Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Jefferson Bank a commercial bank?

Yes

Where are Jefferson Bank locations?

See branch locations nearby.

Is Jefferson Bank open on Saturdays?

Is Jefferson Bank open on Sundays?

What time does Jefferson Bank open?

What time does Jefferson Bank close?

Are Jefferson Bank ATMs Open 24/7?

Do Jefferson Bank ATMs accept cash deposits?

Can Jefferson Bank customers use other ATMs?

Do Jefferson Bank branches have notaries?

Will Jefferson Bank notarize my document?

What address for Jefferson Bank should I put for incoming ACH transfers?

Will the Jefferson Bank branch print checks?

Do Jefferson Bank checks expire?

Does Jefferson Bank require US citizenship to open account?

Can Jefferson Bank close my account?

Does Jefferson Bank Report to credit bureaus?

Does Jefferson Bank Use Equifax?

What is Jefferson Bank's ACH Routing Number?

What is Jefferson Bank's SWIFT code?

Products

Does Jefferson Bank offer mortgages?

Compare mortgage rates here.

Does Jefferson Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Jefferson Bank offer personal loans?

Compare personal loan rates here.

Does Jefferson Bank offer student loans?

Will Jefferson Bank cash a check?

Will Jefferson Bank redeem a savings bond?

Does Jefferson Bank cash savings bonds?

Will Jefferson Bank cash money orders?

Can Jefferson Bank issue a money order?

Does Jefferson Bank do currency exchange?

Background on The Bank

Who owns Jefferson Bank?

How long has Jefferson Bank been around?

Can Jefferson Bank transfer to other banks?

Does Jefferson Bank have quick pay?

Does Jefferson Bank accept rolled coins?

Will Jefferson Bank accept loose change?

Where is Jefferson Bank headquarters?

Customer Reviews for Jefferson Bank

There are currently no comments for Jefferson Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →