Alexandria, VA · Cert 11578 · Burke&Herbert Finl Services
State charter, Fed member · FED · 105 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
53
Profitability
27
Liquidity
72
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Alexandria, VA · Cert 11578 · Burke&Herbert Finl Services
State charter, Fed member · FED · 105 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 1.4% share · #14 of 71 inst. · $4.2B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.88% | 1.59% | 1.64% | 1.67% | 1.69% | 1.60% | 1.06% | -57 bps | |
| Return on Equity | 7.09% | 8.78% | 14.68% | 15.06% | 15.26% | 15.17% | 13.65% | 8.92% | -614 bps | |
| Net Interest Margin | 2.76% | 3.00% | 3.89% | 3.92% | 3.91% | 3.88% | 3.77% | 3.45% | -48 bps | |
| Efficiency Ratio | 63.55% | 63.63% | 50.39% | 49.38% | 48.51% | 48.41% | 52.14% | 64.26% | +1,488 bps | |
| Non-Interest Burden | 1.71% | 1.89% | 1.91% | 1.83% | 1.79% | 1.76% | 1.88% | 2.19% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 118.98% | 115.74% | 111.84% | 2.99% | 0.19% | 1.25% | 1.08% | 36.67% | +3,368 bps | |
| Loan Growth (YoY) | 169.01% | 171.61% | 166.38% | -0.50% | -0.31% | -5.05% | -4.32% | 43.10% | +4,359 bps | |
| Deposit Growth (YoY) | 121.25% | 117.28% | 118.92% | -4.01% | -2.94% | -1.72% | -3.23% | 40.66% | +4,466 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.68% | 1.15% | 1.53% | 1.60% | 1.38% | 1.45% | 1.19% | -34 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.08% | 0.09% | 0.06% | 0.05% | 0.01% | 0.03% | -5 bps | |
| Allowance / Loans | 1.22% | 1.20% | 1.20% | 1.20% | 1.22% | 1.26% | 1.26% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.8x | 1.0x | 0.8x | 0.8x | 0.9x | 0.9x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.67% | 10.88% | 11.22% | 11.51% | 11.40% | 11.59% | 11.97% | 12.26% | +75 bps | |
| Total Risk-Based Capital | 14.21% | 14.41% | 14.62% | 15.08% | 15.20% | 15.92% | 16.29% | 14.31% | -78 bps | |
| Equity / Assets | 10.60% | 10.65% | 10.97% | 10.95% | 11.32% | 11.69% | 11.82% | 12.10% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.33% | 86.99% | 86.25% | 87.42% | 86.62% | 84.05% | 85.27% | 88.94% | +152 bps | |
| Liquid Assets / Assets | 2.96% | 0.98% | 1.09% | 3.23% | 0.97% | 2.98% | 0.20% | 0.48% | -276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 426% | 410% | 398% | n/a | n/a | |
Alexandria, VA · Cert 11578 · Peer group: banks over $10B in assets (n=142-144) · Burke&Herbert Finl Services
State charter, Fed member · FED · 105 branches
Q2 2026
Return on Assets
0.86%
Rank 128 of 144
Net Interest Margin
3.45%
Rank 61 of 144
Efficiency Ratio
69.02%
Rank 127 of 144
Equity / Assets
12.10%
Rank 49 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 1.00% | 1.26% | 1.54% | Beats 11% | 128 / 144 | n/a | |
| Return on Equity | 7.13% | 8.98% | 11.34% | 14.40% | Beats 13% | 125 / 144 | n/a | |
| Net Interest Margin | 3.45% | 2.82% | 3.31% | 3.68% | Beats 58% | 61 / 144 | n/a | |
| Efficiency Ratio | 69.02% | 49.42% | 56.02% | 62.41% | Beats 12% | 127 / 144 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.19% | 0.48% | 0.73% | 1.07% | Beats 20% | 115 / 142 | n/a | |
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.11% | 0.22% | Beats 86% | 21 / 142 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.32% | 12.07% | 12.98% | 14.92% | Beats 58% | 60 / 144 | n/a | |
| Total Risk-Based Capital Ratio | 14.31% | 13.39% | 14.14% | 16.25% | Beats 54% | 66 / 144 | n/a | |
| Equity / Assets | 12.10% | 9.69% | 11.39% | 12.96% | Beats 66% | 49 / 144 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.94% | 75.72% | 84.92% | 91.56% | 62nd pctl | 54 / 143 | n/a | |
| Loans / Assets | 72.85% | 59.83% | 69.07% | 74.80% | 64th pctl | 52 / 144 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||