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Letter portraitLegal landscapeQuarterYTD

Benchmark Community Bank

Kenbridge, VA · Cert 20484 · Benchmark Bankshares Inc.

State charter, Fed member · FED · 18 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.3BDeposits
$133.5MEquity
Loan mix
94%RE $1.1B5%C&I $0.1B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $971.8M24%Noninterest $303.3MQ3 2024Q2 2026

Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 0.1% share · #26 of 37 inst. · $0.1B of $110.3B

30.2% Mecklenburg
24.9% Halifax
36.1% Prince Edward
100.0% Lunenburg

Executive Summary

  • Earnings: ROA of 1.63%, up 14 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.17% of loans (-18 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.80%, up 31 bps from a year ago.
  • Funding: loans stand at 89.57% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.63%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+19 bps YoY

Efficiency Ratio (YTD, annualized)

59.58%-38 bps YoY

Tier 1 Leverage Ratio

9.80%+31 bps YoY

NIM

5.14%Q2 ’245.48%Q2 ’255.56%Q2 ’26+7%+4%

Non-interest income vs. expense

3.17%Q2 ’243.03%Q2 ’253.11%Q2 ’26-6%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.34%1.48%1.49%1.54%1.54%1.52%1.63%+14 bps
Return on Equity14.79%15.23%16.46%16.52%16.91%16.88%16.48%17.45%+92 bps
Net Interest Margin3.95%3.92%4.27%4.25%4.24%4.22%4.42%4.45%+19 bps
Efficiency Ratio64.82%63.99%59.26%59.97%60.20%60.62%60.91%59.58%-38 bps
Non-Interest Burden2.31%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 / Loans0.39%0.33%0.16%0.36%0.19%0.19%0.22%0.17%-18 bps
Net Charge-Offs / Loans0.01%0.01%0.07%0.05%0.04%0.04%0.02%0.02%-3 bps
Allowance / Loans0.79%0.78%0.79%0.80%0.78%0.77%0.77%0.77%-2 bps
Allowance Coverage of NPLs2.0x2.4x4.9x2.2x4.1x4.0x3.4x4.4x+2.2x
Capital
Tier 1 Leverage Ratio9.34%9.28%9.57%9.49%9.68%9.67%9.65%9.80%+31 bps
Total Risk-Based Capital12.58%12.93%13.31%13.08%13.41%13.16%13.35%13.87%+79 bps
Equity / Assets9.10%8.99%8.96%9.04%9.34%9.28%9.23%9.44%+41 bps
Liquidity & Funding
Loans / Deposits90.13%90.21%88.47%91.20%91.54%92.29%91.03%89.57%-163 bps
Liquid Assets / Assets4.92%5.22%7.94%5.23%5.16%5.16%6.78%7.87%+264 bps
CRE / Total Capitaln/an/an/an/a426%446%450%n/an/a