The Jefferson Bank


3008 East Reed Road
Greenville, MS 38703
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.35% 1.40% →
1-Year CD 0.65% 1.15% →
2-Year CD 0.90% 1.26% →
5-Year CD 1.10% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The Jefferson Bank is an FDIC insured institution located in Greenville, MS. It was founded in 1901 and has approximately $0.12 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 11445
Date Established 1901
Assets $ 124.82 million
Loans $ 76.71 million
Deposits $ 102.89 million
Capital $ 21.63 million

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

Deposit Rates - July 6, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.35% $1 - Learn More
Money Market
0.35% $2,500 $9,999 Learn More
Money Market
0.50% $10,000 - Learn More
3 Mo CD
0.25% $500 - Learn More
6 Mo CD
0.60% $500 - Learn More
12 Mo CD
0.65% $500 - Learn More
18 Mo CD
0.65% $500 - Learn More
24 Mo CD
0.90% $500 - Learn More
36 Mo CD
0.90% $500 - Learn More
48 Mo CD
0.90% $500 - Learn More
60 Mo CD
1.10% $500 - Learn More

Fixed IRA
0.65% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.35% $1,000 - Learn MoreShow Less

Loan Rates - July 6, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The 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
Learn More
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 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
2.990 %
$0 Learn More
More Info

Note to The Jefferson Bank
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The Jefferson Bank Locations

Financial Details

The Jefferson Bank Ratio Analysis

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

Texas Ratio
The Jefferson Bank U.S. Bank Average
0.92% 6.51%

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 December 31, 2019, The Jefferson Bank had $233,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,628,000 in equity and $3,775,000 in loans loss reserves. That gives it a Texas Ratio of 0.92%.

Return on Equity
The Jefferson Bank U.S. Bank Average
6.68% 9.41%

The Jefferson Bank has a Return on Equity of 6.68% versus the BestCashCow average of 9.41%. 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.

The Jefferson Bank U.S. Bank Average
17.33% 12.82%

The Jefferson Bank has a Capitalization of 17.33% versus the BestCashCow average of 12.82. 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.

The Jefferson Bank Balance Sheet Analysis

As of December 31, 2019, The Jefferson Bank had assets of $124,815,000, loans of $76,707,000, and deposits of $102,894,000. 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

December 31, 2019
Cash & Balances due from depository institutions $ 3.41 million
Interest-bearing balances $ 1.06 million
Total securities $ 24.58 million
Federal funds sold and reverse repurchase $ 14.43 million
Net loans and leases $ 76.71 million
Loan loss allowance $ 3.78 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.00 million
All other assets $ 5.14 million
     Total Assets $ 103.19 million
Total deposits $ 102.89 million
      Interest-bearing deposits $ 89.98 million
      Deposits held in domestic offices $ 102.89 million
      % insured (estimated) 89.93%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.29 million
      Total Liabilities $ 103.19 million
      Shareholders’ Equity $ 21.63 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 7.91 million
Total Interest Expense $ 1.91 million
Net interest income $ 6.00 million
Provision for loan and lease losses $ 1.50 million
Total non interest income $ 1.24 million
Total non interest expense $ 4.20 million
Pre-tax Net Operating Income $ 1.54 million

Bank Loan Profile?

The top three loan types in The Jefferson Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Mississippi, The Jefferson Bank has a significantly higher percent of Farm 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.98
Credit Card Loans 0.00
Consumer Auto Loans 0.39
Small Business Loans 2.48
Construction and Development Loans 4.90
Commercial Real Estate 7.29
Commercial and Industrial Loans 15.17
Farm Loans 31.99

Frequently Asked Questions About The Jefferson Bank

Branches and Savings

Is The Jefferson Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11445.

Why does The 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 The Jefferson Bank CD rates not competitive?

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

Is The Jefferson Bank a commercial bank?


Where are The Jefferson Bank locations?

See branch locations nearby.

Is The Jefferson Bank open on Saturdays?

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Do The Jefferson Bank checks expire?

Does The Jefferson Bank require US citizenship to open account?

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Does The Jefferson Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Jefferson Bank offer personal loans?

Compare personal loan rates here.

Does The Jefferson Bank offer student loans?

Will The Jefferson Bank cash a check?

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Background on The Bank

Who owns The Jefferson Bank?

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