|Exchange:||NASDAQ national market|
|Stock:||Jefferson Bancshares, Inc.|
|Industry:||Savings & Cooperative Banks|
|Jefferson Bancshares, Inc. is the holding company for Jefferson Federal. Jefferson Federal operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. Jefferson Federal attracts deposits from the general public and uses those funds to originate loans, which it holds for investment. The company's loan portfolio consists of a variety of mortgage, commercial and consumer loans. It offers fixed-rate mortgage loans with terms up to 30 years and adjustable-rate mortgage loans with terms up to 25 years. Jefferson's commercial real estate loans are secured by professional office buildings, shopping centers, manufacturing facilities, hotels, vacant land, churches and, to a lesser extent, by other improved property such as restaurants and retail operations. It offers a variety of consumer loans, including loans secured by automobiles and savings accounts. Other consumer loans include loans on recreational vehicles and boats, debt consolidation loans and personal unsecured debt. The Company is a bank holding company subject to regulation by the Board of Governors of the Federal Reserve System (the 'Federal Reserve Board') under the Bank Holding Company Act of 1956, as amended (the 'BHCA').|
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