TellerScore

Jeff Bank, National Association (FDIC certificate #7123) is based in Jeffersonville, New York. Its Q2 2026 call report shows $686.2M in total assets and $579.2M in deposits and 10 offices.

Jeff Bank, National Association has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 2nd. Capital cushion contributes the most (99/100, 14.92%); loan quality contributes the least (88/100, 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Tier 1 leverage ratio: 14.92%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings96/100
Return on assets (annualized): 1.91%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 63.9% · 17.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (93 → 95), mostly because the capital cushion component improved by 4 points.

TellerScore
859095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202487
Q4 202490
Q1 202590
Q2 202593
Q3 202593
Q4 202593
Q1 202694
Q2 202695
Tier 1 leverage ratio
5.00%9.96%14.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.63%
Q3 202412.92%
Q4 202413.87%
Q1 202514.11%
Q2 202514.49%
Q3 202514.43%
Q4 202514.69%
Q1 202614.69%
Q2 202614.92%
Noncurrent loans
0.36%0.40%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.42%
Q3 20240.41%
Q4 20240.36%
Q1 20250.44%
Q2 20250.39%
Q3 20250.38%
Q4 20250.44%
Q1 20260.43%
Q2 20260.37%
Return on assets
1.60%1.77%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.60%
Q3 20241.68%
Q4 20241.67%
Q1 20251.69%
Q2 20251.85%
Q3 20251.88%
Q4 20251.89%
Q1 20261.93%
Q2 20261.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$686.2M14.92%0.37%1.91%63.9%
Q1 202694$671.9M14.69%0.43%1.93%63.7%
Q4 202593$661.8M14.69%0.44%1.89%64.1%
Q3 202593$671.5M14.43%0.38%1.88%61.4%
Q2 202593$656.4M14.49%0.39%1.85%61.7%
Q1 202590$650.2M14.11%0.44%1.69%60.9%
Q4 202490$621.2M13.87%0.36%1.67%62.8%
Q3 202487$652.1M12.92%0.41%1.68%62.0%
Q2 202485$684.0M12.63%0.42%1.60%57.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.92%
86th
Total risk-based capital0.00%
24th
Problem loans0.37%
52nd
Net charge-offs-0.00%
84th
Return on assets1.91%
84th
Net interest margin4.88%
90th
Efficiency ratio50.3%
82nd
Loans to deposits63.9%
78th
Uninsured deposits17.2%
74th
Loan-loss reserves1.33%
66th
Texas ratio1.8%
59th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Geddes Federal Savings and Loan AssociationBank Syracuse, NY74 out of 100, Strong$685.7M14.7%0.44%vs
Carver Federal Savings BankBank New York, NY23 out of 100, Low$658.1M8.7%3.46%vs
First National Bank of ScotiaBank Scotia, NY55 out of 100, Moderate$719.0M9.2%1.50%vs
Modern Bank, National AssociationBank New York, NY30 out of 100, Low$648.5M9.6%5.60%vs
Spring BankBank Bronx, NY85 out of 100, Very strong$641.0M14.6%0.60%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs

Deposit insurance

Is my money safe at Jeff Bank, National Association?

Yes. Jeff Bank, National Association is an FDIC-insured institution (FDIC certificate #7123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.2% of deposits ($99.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Jeff Bank, National Association lists 10 offices in 9 cities. Most locations:

  • Monticello, NY (2)
  • Callicoon, NY (1)
  • Eldred, NY (1)
  • Jeffersonville, NY (1)
  • Liberty, NY (1)
  • Livingston Manor, NY (1)
  • Port Jervis, NY (1)
  • White Lake, NY (1)
  • Wurtsboro, NY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Jeff Bank, National Association reported 180 home-loan applications under HMDA (LEI 549300Q1QXZDN5R0UD44): 82 originated ($21,450,000 total), 62 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Jeff Bank, National Association
Former names
The First National Bank of Jeffersonville; Jeff Bank
Type
National bank
FDIC certificate #
7123
RSSD ID
306908
Primary regulator
OCC
Holding company
Jeffersonville Bcorp
Established
October 1, 1913
Headquarters
4864 State Route 52, Jeffersonville, NY 12748
Employees
109

Quick answers

Jeff Bank, National Association: common questions

Is Jeff Bank, National Association FDIC insured?

Yes. Jeff Bank, National Association is an FDIC-insured institution (FDIC certificate #7123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Jeff Bank, National Association's TellerScore?

95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Jeff Bank, National Association ever failed?

There is no failure record for FDIC certificate #7123 in the FDIC failed bank list.

How many branches does Jeff Bank, National Association have?

10 offices as of the latest FDIC data.

Nearby

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