🏦Bank Scorer

JEFF BANK

JEFFERSONVILLE, NY · Supervised by FDIC

Est. 1913FDIC #7,123RSSD: FDIC-7123
Part ofJEFFERSONVILLE BCORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.93%

Institution Profile

FDIC BankFind

Address

4864 State Route 52, JEFFERSONVILLE, NY

County

Sullivan County

Established

October 1, 1913

Total Assets

$672M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$672M

Total Deposits

$567M

Net Loans

$361M

Net Income

$3M

ROA

1.93%

ROE

13.78%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate29.88%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$564M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416450.61%29.88%
202316838.1%45.83%
202230950.81%27.18%
202135250.85%30.11%
202026446.97%32.95%
201924245.45%34.71%
201828451.06%32.75%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2015

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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