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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.54% | 1.54% | 1.52% | 1.63% | +14 bps | |
| Return on Equity | 16.52% | 16.91% | 16.88% | 16.48% | 17.45% | +92 bps | |
| Net Interest Margin | 4.25% | 4.24% | 4.22% | 4.42% | 4.45% | +19 bps | |
| Efficiency Ratio | 59.97% | 60.20% | 60.62% | 60.91% | 59.58% | -38 bps | |
| Non-Interest Burden | 2.29% | 2.29% | 2.28% | 2.46% | 2.38% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 9.30% | 11.66% | 9.22% | 9.32% | +181 bps | |
| Loan Growth (YoY) | 10.84% | 11.32% | 13.50% | 12.72% | 7.34% | -350 bps | |
| Deposit Growth (YoY) | 6.95% | 9.61% | 10.94% | 9.55% | 9.29% | +234 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.19% | 0.19% | 0.22% | 0.17% | -18 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.04% | 0.02% | 0.02% | -3 bps | |
| Allowance / Loans | 0.80% | 0.78% | 0.77% | 0.77% | 0.77% | -2 bps | |
| Allowance Coverage of NPLs | 2.2x | 4.1x | 4.0x | 3.4x | 4.4x | +2.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.49% | 9.68% | 9.67% | 9.65% | 9.80% | +31 bps | |
| Total Risk-Based Capital | 13.08% | 13.41% | 13.16% | 13.35% | 13.87% | +79 bps | |
| Equity / Assets | 9.04% | 9.34% | 9.28% | 9.23% | 9.44% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.20% | 91.54% | 92.29% | 91.03% | 89.57% | -163 bps | |
| Liquid Assets / Assets | 5.23% | 5.16% | 5.16% | 6.78% | 7.87% | +264 bps | |
| CRE / Total Capital | n/a | 426% | 446% | 450% | n/a | n/a | |