Bank of Charlotte County, The
Phenix, VA · Cert 14491 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · BCC Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$222.8MAssets
$140.4MLoans
$194.5MDeposits
$27.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets operating in a single state (rank 9 of 746).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets operating in a single state (rank 598 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
3.47%
Rank 9 of 746
Net Interest Margin
4.33%
Rank 135 of 746
Efficiency Ratio
44.61%
Rank 47 of 746
Equity / Assets
12.23%
Rank 226 of 746
Non-interest income vs. expense
Unfavorable gap of $0.4M · efficiency ratio beats 94% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.47% | 0.72% | 1.06% | 1.45% | Beats 99% | 9 / 746 | | |
| Return on Equity | 28.38% | 6.74% | 10.51% | 13.63% | Beats 99% | 8 / 746 | | |
| Net Interest Margin | 4.33% | 3.17% | 3.68% | 4.16% | Beats 82% | 135 / 746 | | |
| Efficiency Ratio | 44.61% | 55.74% | 64.58% | 75.47% | Beats 94% | 47 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.09% | 0.42% | 1.07% | Beats 57% | 320 / 743 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 598 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 20.00% | 11.55% | 13.75% | 17.60% | Beats 83% | 128 / 746 | | |
| Total Risk-Based Capital Ratio | 21.25% | 11.71% | 14.33% | 18.43% | Beats 84% | 123 / 746 | | |
| Equity / Assets | 12.23% | 8.90% | 10.51% | 13.06% | Beats 70% | 226 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.20% | 61.31% | 78.27% | 90.78% | 39th pctl | 456 / 746 | | |
| Loans / Assets | 63.03% | 53.60% | 66.97% | 76.08% | 41st pctl | 439 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |