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 (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 | 1.52% | 1.48% | 1.48% | 1.49% | 1.63% | 1.56% | 1.52% | 1.72% | +23 bps | |
| Return on Equity | 17.08% | 16.33% | 16.46% | 16.51% | 17.76% | 16.76% | 16.48% | 18.42% | +191 bps | |
| Net Interest Margin | 4.09% | 4.17% | 4.27% | 4.36% | 4.39% | 4.47% | 4.42% | 4.52% | +16 bps | |
| Efficiency Ratio | 61.41% | 61.67% | 59.26% | 60.62% | 60.64% | 61.76% | 60.91% | 58.34% | -229 bps | |
| Non-Interest Burden | 2.18% | 2.31% | 2.28% | 2.36% | 2.39% | 2.45% | 2.46% | 2.33% | -3 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% | 0.02% | 0.07% | 0.03% | 0.03% | 0.05% | 0.02% | 0.01% | -2 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 | |