Burke and Herbert Bank and Trust Company

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

$11.0BAssets

$8.0BLoans

$9.0BDeposits

$1.3BEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 86% of banks over $10B in assets (rank 21 of 142).
Widest gap: return on assets trails 89% of banks over $10B in assets (rank 128 of 144).
Overall: at or above the peer median on 5 of 9 directional measures.

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

Unfavorable gap of $219.9M · efficiency ratio beats 12% of banks over $10B in assets

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
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