Jefferson Bank
San Antonio, Texas, Bexar County
$2.9B in total assets, the 457th largest of 4,309 US banks and 38th of 352 headquartered in Texas.
- FDIC certificate
- 16470
- Established
- 1946
- Owned by
- Jefferson Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.jeffersonbank.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.9B | 69% | $2.2B | |
| Loans | $2.0B | 74% | $1.3B | |
| Deposits | $2.6B | 77% | $1.7B | |
| Return on assets | 1.09% | 27% | 1.54% | |
| Net interest margin | 3.67% | 30% | 3.96% | |
| Efficiency ratio | 74.8% | 86% | 57.5% | |
| Equity to assets | 8.56% | 14% | 10.77% | |
| Loans to deposits | 76% | 44% | 80% |
Growth
Total assets grew 2.5% a year over the last 5 years and 5.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 1993 | Leon Valley Bank Bexar County, TX, an affiliate under the same holding company | $70M |
Where they operate
13 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bexar County, TX | $2.3B | 1.4% | 9 of 50 |
| Kendall County, TX | $176M | 9.0% | 4 of 14 |
| Comal County, TX | $137M | 4.0% | 8 of 20 |
| Travis County, TX | $26M | 0.1% | 51 of 56 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (13 branches then and now). 4 opened, 0 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2020 | Closed San Antonio | 0 | 1 | −1 | 12 |
| 2021 | Opened San AntonioClosed San Antonio | 1 | 1 | 0 | 12 |
| 2023 | Opened Austin and San Antonio | 2 | 0 | +2 | 14 |
| 2024 | Closed San Antonio | 0 | 1 | −1 | 13 |
| 2025 | Opened San Antonio | 1 | 0 | +1 | 14 |
| 2026 through Q2 | Closed San Antonio | 0 | 1 | −1 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 39% | |
| 1-4 family residential | 35% | 20% | |
| Business (C&I) | 11% | 15% | |
| Construction and land | 10% | 13% | |
| Multifamily | 4% | 3% | |
| Consumer | 2% | 2% | |
| Farmland | 2% | 3% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 48% | |
| Noninterest-bearing | 32% | 26% | |
| Time deposits | 24% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.75% | 0.42% |
| Net charge-offs, annualized | 0.02% | 0.04% |
| Reserves to loans | 0.82% | 1.20% |
| Leverage ratio | 9.81% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Bexar County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/jefferson-bank-san-antonio-tx