Grundy, VA · Cert 21883 · Miners&Merchants Bcorp Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 4.0% share · #10 of 24 inst. · $0.2B of $5.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.39% | 1.00% | 1.00% | 1.24% | +78 bps | |
| Return on Equity | 4.47% | 4.25% | 11.51% | 11.01% | 13.43% | +897 bps | |
| Net Interest Margin | 3.30% | 3.40% | 3.59% | 3.72% | 3.87% | +57 bps | |
| Efficiency Ratio | 86.22% | 85.53% | 74.86% | 72.48% | 64.00% | -2,222 bps | |
| Non-Interest Burden | 2.77% | 2.80% | 2.50% | 2.64% | 2.32% | -45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.04% | -7.37% | 36.22% | 39.32% | 41.21% | +4,825 bps | |
| Loan Growth (YoY) | -7.76% | -2.29% | 35.05% | 45.82% | 50.55% | +5,832 bps | |
| Deposit Growth (YoY) | -8.55% | -5.13% | 35.59% | 39.87% | 42.16% | +5,071 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.05% | 0.31% | 0.04% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | -0.22% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.09% | 1.28% | 1.20% | 1.19% | +13 bps | |
| Allowance Coverage of NPLs | 27.2x | 21.2x | 4.2x | 32.9x | 64.5x | +37.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.74% | 10.22% | 10.20% | 10.22% | 10.60% | -214 bps | |
| Total Risk-Based Capital | 12.74% | 10.22% | 10.20% | 10.22% | 10.60% | -214 bps | |
| Equity / Assets | 10.41% | 8.13% | 9.06% | 9.11% | 9.29% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.22% | 74.31% | 73.04% | 76.88% | 78.60% | +438 bps | |
| Liquid Assets / Assets | 5.56% | 2.91% | 10.91% | 7.30% | 5.43% | -14 bps | |
| CRE / Total Capital | n/a | 274% | 277% | 286% | n/a | n/a | |