Citizens Bank vs Jefferson Bank

As of Q1 2026, Jefferson Bank carries a larger commercial real estate loan book than Citizens Bank, roughly 3.9× the size — $981.2M versus $252.0M. CRE book size is one gauge of how much lending capacity a bank is actively deploying, though a bigger book is not automatically better for a borrower; what matters is whether the bank is still growing that book and how concentrated it has become.

Their trajectories diverge: Citizens Bank is growing its CRE book (4.8% quarter over quarter) while Jefferson Bank is contracting (0.8%). For a borrower weighing the two, the expanding lender is the more likely to be competing for new business right now.

Citizens Bank is further up the concentration curve at 510% — past the 300% supervisory guideline — while Jefferson Bank sits lower at 243% with more balance-sheet capacity to keep lending. A borrower may find the less-concentrated bank more receptive to new credit, though concentration is only one of several appetite signals.

Jefferson Bank carries a higher nonaccrual CRE ratio (1% of its CRE book, versus 0% at the other). Rising nonaccruals consume management attention and provisions and often precede tighter credit standards — a useful caution flag when comparing the two as a potential lender.

County recorded documents show both lenders actively closing commercial loans — 9 recent for Citizens Bank and 3 for Jefferson Bank. Citizens Bank shows the heavier recent activity in the records we track. Filed deeds of trust are the ground truth of a closed, secured loan, so a presence here confirms the bank is writing business, not just quoting it.

The short version: Jefferson Bank runs the larger CRE book. The right lender for any specific deal still depends on property type, sponsorship, and the current terms each is quoting — the table above and each bank's full profile carry the detail.