Kenbridge, VA · Cert 20484 · Benchmark Bankshares Inc.
State charter, Fed member · FED · 18 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
79
Profitability
88
Liquidity
100
Efficiency
48
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.
Kenbridge, VA · Cert 20484 · Benchmark Bankshares Inc.
State charter, Fed member · FED · 18 branches
Q2 2026
Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 0.1% share · #26 of 37 inst. · $0.1B of $110.3B
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 | 1.30% | 1.34% | 1.48% | 1.49% | 1.54% | 1.54% | 1.52% | 1.63% | +14 bps | |
| Return on Equity | 14.79% | 15.23% | 16.46% | 16.52% | 16.91% | 16.88% | 16.48% | 17.45% | +92 bps | |
| Net Interest Margin | 3.95% | 3.92% | 4.27% | 4.25% | 4.24% | 4.22% | 4.42% | 4.45% | +19 bps | |
| Efficiency Ratio | 64.82% | 63.99% | 59.26% | 59.97% | 60.20% | 60.62% | 60.91% | 59.58% | -38 bps | |
| Non-Interest Burden | 2.31% | 2.26% | 2.28% | 2.29% | 2.29% | 2.28% | 2.46% | 2.38% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.37% | 5.27% | 8.98% | 7.51% | 9.30% | 11.66% | 9.22% | 9.32% | +181 bps | |
| Loan Growth (YoY) | 13.20% | 11.73% | 10.11% | 10.84% | 11.32% | 13.50% | 12.72% | 7.34% | -350 bps | |
| Deposit Growth (YoY) | 8.64% | 4.70% | 8.12% | 6.95% | 9.61% | 10.94% | 9.55% | 9.29% | +234 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.33% | 0.16% | 0.36% | 0.19% | 0.19% | 0.22% | 0.17% | -18 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.07% | 0.05% | 0.04% | 0.04% | 0.02% | 0.02% | -3 bps | |
| Allowance / Loans | 0.79% | 0.78% | 0.79% | 0.80% | 0.78% | 0.77% | 0.77% | 0.77% | -2 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.4x | 4.9x | 2.2x | 4.1x | 4.0x | 3.4x | 4.4x | +2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.34% | 9.28% | 9.57% | 9.49% | 9.68% | 9.67% | 9.65% | 9.80% | +31 bps | |
| Total Risk-Based Capital | 12.58% | 12.93% | 13.31% | 13.08% | 13.41% | 13.16% | 13.35% | 13.87% | +79 bps | |
| Equity / Assets | 9.10% | 8.99% | 8.96% | 9.04% | 9.34% | 9.28% | 9.23% | 9.44% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.13% | 90.21% | 88.47% | 91.20% | 91.54% | 92.29% | 91.03% | 89.57% | -163 bps | |
| Liquid Assets / Assets | 4.92% | 5.22% | 7.94% | 5.23% | 5.16% | 5.16% | 6.78% | 7.87% | +264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 426% | 446% | 450% | n/a | n/a | |
Kenbridge, VA · Cert 20484 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Benchmark Bankshares Inc.
State charter, Fed member · FED · 18 branches
Q2 2026
Return on Assets
1.60%
Rank 36 of 176
Net Interest Margin
4.45%
Rank 14 of 176
Efficiency Ratio
59.93%
Rank 92 of 176
Equity / Assets
9.44%
Rank 122 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.93% | 1.26% | 1.54% | Beats 80% | 36 / 176 | ||
| Return on Equity | 16.98% | 9.26% | 11.89% | 14.46% | Beats 91% | 16 / 176 | ||
| Net Interest Margin | 4.45% | 3.25% | 3.59% | 3.93% | Beats 92% | 14 / 176 | ||
| Efficiency Ratio | 59.93% | 52.79% | 59.55% | 67.66% | Beats 48% | 92 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.30% | 0.64% | 1.32% | Beats 87% | 23 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 70% | 55 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.02% | 11.15% | 12.72% | 14.15% | Beats 55% | 79 / 176 | ||
| Total Risk-Based Capital Ratio | 13.87% | 11.81% | 13.63% | 15.33% | Beats 54% | 81 / 176 | ||
| Equity / Assets | 9.44% | 9.16% | 10.35% | 11.80% | Beats 31% | 122 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.57% | 80.94% | 89.73% | 97.21% | 49th pctl | 89 / 176 | ||
| Loans / Assets | 80.79% | 69.25% | 75.12% | 80.82% | 74th pctl | 45 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||