Benchmark Community Bank
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
$1.4BAssets
$1.1BLoans
$1.3BDeposits
$133.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks $1B-$10B in assets operating regionally (rank 14 of 176).
- Widest gap: equity / assets trails 69% of banks $1B-$10B in assets operating regionally (rank 122 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $33.2M · efficiency ratio beats 48% of banks $1B-$10B in assets operating regionally | 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 |