Jefferson Bank of Missouri

Headquarters

700 Southwest Boulevard
Jefferson City, MO 65109
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
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 of Missouri is an FDIC insured institution located in Jefferson City, MO. It was founded in 1967 and has approximately $0.66 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 19762
Date Established 1967
Assets $ 656.41 million
Loans $ 480.69 million
Deposits $ 545.23 million
Capital $ 62.20 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Jefferson Bank of Missouri

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut 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
2.990 %
$0 Learn More
More Info

Note to Jefferson Bank of Missouri
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Branches

Jefferson Bank of Missouri 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:
Fairfield,Connecticut


Jefferson Bank of Missouri Locations


Financial Details

Jefferson Bank of Missouri Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Jefferson Bank of Missouri. 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 of Missouri U.S. Bank Average
4.25% 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 of Missouri had $2,905,000 in non-current loans and $55,000 in owned real estate. To cover these potential losses it had $62,195,000 in equity and $7,447,000 in loans loss reserves. That gives it a Texas Ratio of 4.25%.

Return on Equity
Jefferson Bank of Missouri U.S. Bank Average
19.64% 7.80%

Jefferson Bank of Missouri has a Return on Equity of 19.64% 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 of Missouri U.S. Bank Average
9.47% 12.68%

Jefferson Bank of Missouri has a Capitalization of 9.47% 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 of Missouri Balance Sheet Analysis

As of March 31, 2020, Jefferson Bank of Missouri had assets of $656,412,000, loans of $480,694,000, and deposits of $545,232,000. 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 $ 38.56 million
Interest-bearing balances $ 31.02 million
Total securities $ 118.34 million
Federal funds sold and reverse repurchase $ 3.75 million
Net loans and leases $ 480.69 million
Loan loss allowance $ 7.45 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.06 million
Goodwill and other intangibles $ 1.68 million
All other assets $ 8.46 million
     Total Assets $ 594.22 million
LIABILITIES
Total deposits $ 545.23 million
      Interest-bearing deposits $ 391.79 million
      Deposits held in domestic offices $ 545.23 million
      % insured (estimated) 84.42%
Federal funds purchased and repurchase agreements $ 26.34 million
Trading liabilities N.A.
Other borrowed funds $ 19.00 million
Subordinated debt N.A.
All other liabilities $ 3.64 million
      Total Liabilities $ 594.22 million
      Shareholders’ Equity $ 62.20 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 7.18 million
Total Interest Expense $ 0.87 million
Net interest income $ 6.31 million
Provision for loan and lease losses $ 0.24 million
Total non interest income $ 1.64 million
Total non interest expense $ 3.78 million
Pre-tax Net Operating Income $ 3.93 million

Bank Loan Profile?

The top three loan types in Jefferson Bank of Missouri’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial Real Estate.

Compared to other banks in Missouri, Jefferson Bank of Missouri has a significantly higher percent of Credit Card Loans, Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 30.87
Multifamily
Mortgages
2.83
Credit Card Loans 1.30
Consumer Auto Loans 25.87
Small Business Loans 8.34
Construction and Development Loans 6.85
Commercial Real Estate 16.45
Commercial and Industrial Loans 10.65
Farm Loans 0.74

Frequently Asked Questions About Jefferson Bank Of Missouri

Branches and Savings

Is Jefferson Bank Of Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #19762.

Why does Jefferson Bank Of Missouri 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 Of Missouri CD rates not competitive?

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

Is Jefferson Bank Of Missouri a commercial bank?

Yes

Where are Jefferson Bank Of Missouri locations?

See branch locations nearby.

Is Jefferson Bank Of Missouri open on Saturdays?

Is Jefferson Bank Of Missouri open on Sundays?

What time does Jefferson Bank Of Missouri open?

What time does Jefferson Bank Of Missouri close?

Are Jefferson Bank Of Missouri ATMs Open 24/7?

Do Jefferson Bank Of Missouri ATMs accept cash deposits?

Can Jefferson Bank Of Missouri customers use other ATMs?

Do Jefferson Bank Of Missouri branches have notaries?

Will Jefferson Bank Of Missouri notarize my document?

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

Will the Jefferson Bank Of Missouri branch print checks?

Do Jefferson Bank Of Missouri checks expire?

Does Jefferson Bank Of Missouri require US citizenship to open account?

Can Jefferson Bank Of Missouri close my account?

Does Jefferson Bank Of Missouri Report to credit bureaus?

Does Jefferson Bank Of Missouri Use Equifax?

What is Jefferson Bank Of Missouri's ACH Routing Number?

What is Jefferson Bank Of Missouri's SWIFT code?

Products

Does Jefferson Bank Of Missouri offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Jefferson Bank Of Missouri offer personal loans?

Compare personal loan rates here.

Does Jefferson Bank Of Missouri offer student loans?

Will Jefferson Bank Of Missouri cash a check?

Will Jefferson Bank Of Missouri redeem a savings bond?

Does Jefferson Bank Of Missouri cash savings bonds?

Will Jefferson Bank Of Missouri cash money orders?

Can Jefferson Bank Of Missouri issue a money order?

Does Jefferson Bank Of Missouri do currency exchange?

Background on The Bank

Who owns Jefferson Bank Of Missouri?

How long has Jefferson Bank Of Missouri been around?

Can Jefferson Bank Of Missouri transfer to other banks?

Does Jefferson Bank Of Missouri have quick pay?

Does Jefferson Bank Of Missouri accept rolled coins?

Will Jefferson Bank Of Missouri accept loose change?

Where is Jefferson Bank Of Missouri headquarters?

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