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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Jefferson Bank

San Antonio, Texas · $2.88B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

8.6%
Equity / assets
10th of 12
74.8%
Efficiency
10th of 12
1.11%
ROA
9th of 12

Jefferson Bank is the sixth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.88B in assets at 30 June 2026. Loans are 75.6% of deposits, 6th of 12 against a median of 78.6%, and equity is 8.6% of assets, 10th of 12. Loans grew +4.5% in the year, 5th of 12, and deposits grew 1.4%; the cohort's median loan growth is +1.1%.

Noncurrent loans are 0.75% of the book, 7th of 12 against a median of 0.67%; 0.22% is 30 to 89 days past due, and the allowance covers them 1.1 times. Commercial real estate is 35.5% of loans, 6th of 12 against a median of 36.7%, and 251% of capital, below the 300% screen, with construction at 69% against the 100% screen.

Return on assets is 1.11%, 9th of 12 against a median of 1.50%, on an efficiency ratio of 74.8%, 10th of 12. Five years ago it was 0.99%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 55.1% WF Wells Fargo Bank S Central N.A. 14.5% SB State Bank of Texas 21.4% AF American First National Bank 38.1% WT West Texas National Bank 46.5% PB Pinnacle Bank 52.3% HB Horizon Bank SSB 52.6% TN Tib National Association 57.7% AM American Momentum Bank 59.6% SB Susser Bank 62.2% JB Jefferson Bank 74.8% EB Extraco Banks National Association 75.7% TR Texas Regional Bank 88.8%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +1.1% SB Susser Bank +12.8% TR Texas Regional Bank +12.5% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% WT West Texas National Bank +1.2% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% AF American First National Bank -0.0% TN Tib National Association -6.3% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

Jefferson Bank is the 246th largest 7(a) lender into Texas of 706, with $15M across 38 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 2 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bexar, TX$14M37th of 2370.7%thin
Kerr, TX$810K14th of 392.7%quiet FY2022
Kendall, TX$518K35th of 510.5%quiet FY2022
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services3$3M16.5%0.00%1140th of 2,596
Construction6$2M14.3%0.01%886th of 2,063
Retail trade6$2M13.5%0.00%1152nd of 2,589
Administrative & waste services3$2M12.0%0.01%589th of 1,763
Other services6$2M11.7%0.01%933rd of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Jefferson Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans JB Jefferson Bank 0.0% $15M · 38 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Jefferson Bank among them; owner-occupied excluded; bold marks a screen met
Jefferson BankRankCohort median
Total CRE against capital, the 300% screen251%7th of 12247%
Construction against capital, the 100% screen69%9th of 1248%
Construction and land development, share of loans9.7%7th of 128.7%
Non-owner-occupied nonfarm nonresidential, share of loans21.3%7th of 1220.7%
Total CRE, the guidance definition, share of loans35.5%6th of 1236.7%
CRE growth over 36 months, the third prong+10.0%7th of 12+8.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Susser Bank$2.99B1.0%62.2%0.42%0.01%1.3%83.2%10.3%
Tib National Association$2.96B1.7%57.7%0.84%0.26%1.4%75.4%14.6%
Texas Regional Bank$2.95B0.3%88.8%0.59%0.07%1.1%72.4%9.2%
American First National Bank$2.89B2.1%38.1%0.42%0.08%1.1%98.8%14.2%
West Texas National Bank$2.88B1.6%46.5%1.67%0.88%1.9%58.6%10.2%
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Jefferson BankCohort median
20212026Change20212026Change
Loans$1.32B$1.97B+49%$1.10B$1.85B+69%
Deposits$2.25B$2.60B+16%$1.75B$2.35B+35%
NPA / loans0.55%0.75%+0.20 pts0.19%0.67%+0.48 pts
Efficiency71.2%74.8%+3.6 pts65.5%55.1%-10.3 pts
ROA0.99%1.11%+0.13 pts1.03%1.50%+0.46 pts

This read was prepared for Jefferson Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Jefferson Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.jeffersonbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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