Phenix, VA · Cert 14491 · BCC Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Lynchburg, VA · 2026 SOD (annual) · 0.8% share · #14 of 17 inst. · $0.1B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.20% | 1.32% | 1.26% | 1.24% | 1.18% | 1.42% | 5.48% | +423 bps | |
| Return on Equity | 12.02% | 11.26% | 12.59% | 11.63% | 11.24% | 11.05% | 13.55% | 47.86% | +3,624 bps | |
| Net Interest Margin | 4.35% | 4.45% | 4.32% | 4.26% | 4.31% | 4.21% | 4.20% | 4.43% | +17 bps | |
| Efficiency Ratio | 65.76% | 62.91% | 65.20% | 64.03% | 64.56% | 63.05% | 64.69% | 35.09% | -2,894 bps | |
| Non-Interest Burden | 2.74% | 2.67% | 2.69% | 2.53% | 2.64% | 2.51% | 2.51% | -2.16% | -469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 10.51% | 12.68% | 6.77% | 7.74% | 12.21% | 7.76% | 7.30% | +53 bps | |
| Loan Growth (YoY) | 8.71% | 5.60% | 1.75% | 0.37% | -2.23% | -6.45% | -6.89% | -6.23% | -660 bps | |
| Deposit Growth (YoY) | 9.45% | 12.99% | 17.21% | 8.44% | 10.72% | 15.52% | 10.81% | 8.71% | +27 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.22% | 0.43% | 0.49% | 0.81% | 1.16% | 0.97% | 0.33% | -16 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.01% | 0.23% | 0.00% | 0.01% | 0.01% | 0.25% | +3 bps | |
| Allowance / Loans | 0.83% | 0.89% | 0.90% | 0.91% | 0.97% | 1.09% | 1.11% | 1.26% | +35 bps | |
| Allowance Coverage of NPLs | 29.4x | 4.1x | 2.1x | 1.9x | 1.2x | 0.9x | 1.1x | 3.8x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.28% | 11.65% | 11.77% | 12.08% | 11.85% | 10.99% | 11.33% | 12.79% | +71 bps | |
| Total Risk-Based Capital | 17.14% | 16.85% | 17.48% | 18.12% | 18.46% | 17.97% | 18.59% | 21.25% | +313 bps | |
| Equity / Assets | 10.98% | 10.36% | 10.62% | 11.00% | 11.12% | 10.28% | 10.68% | 12.23% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.50% | 86.86% | 84.14% | 83.70% | 78.15% | 70.33% | 70.70% | 72.20% | -1,150 bps | |
| Liquid Assets / Assets | 6.00% | 6.45% | 7.93% | 9.43% | 11.54% | 16.19% | 15.90% | 13.00% | +356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 129.99% | 124.61% | 128.82% | n/a | n/a | |