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 | |