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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.70% | 0.63% | 0.54% | 0.50% | 0.62% | 1.00% | 1.12% | +58 bps | |
| Return on Equity | 5.84% | 8.10% | 6.65% | 5.55% | 5.28% | 6.62% | 11.01% | 12.24% | +669 bps | |
| Net Interest Margin | 2.82% | 2.92% | 3.20% | 3.28% | 3.37% | 2.71% | 3.72% | 3.82% | +54 bps | |
| Efficiency Ratio | 82.94% | 78.01% | 78.33% | 82.22% | 83.34% | 80.54% | 72.48% | 68.11% | -1,411 bps | |
| Non-Interest Burden | 2.21% | 2.07% | 2.35% | 2.58% | 2.70% | 2.06% | 2.64% | 2.50% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.61% | -6.63% | -4.39% | -7.04% | -7.37% | 36.22% | 39.32% | 41.21% | +4,825 bps | |
| Loan Growth (YoY) | -5.26% | -0.57% | -4.64% | -7.76% | -2.29% | 35.05% | 45.82% | 50.55% | +5,832 bps | |
| Deposit Growth (YoY) | -5.25% | -7.11% | -5.69% | -8.55% | -5.13% | 35.59% | 39.87% | 42.16% | +5,071 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.01% | 0.03% | 0.04% | 0.05% | 0.31% | 0.04% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -0.22% | -0.11% | -11 bps | |
| Allowance / Loans | 1.08% | 1.03% | 1.04% | 1.06% | 1.09% | 1.28% | 1.20% | 1.19% | +13 bps | |
| Allowance Coverage of NPLs | 4.8x | 78.2x | 38.4x | 27.2x | 21.2x | 4.2x | 32.9x | 64.5x | +37.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.91% | 12.39% | 12.48% | 12.74% | 10.22% | 10.20% | 10.22% | 10.60% | -214 bps | |
| Total Risk-Based Capital | 11.91% | 12.39% | 12.48% | 12.74% | 10.22% | 10.20% | 10.22% | 10.60% | -214 bps | |
| Equity / Assets | 9.64% | 9.14% | 9.82% | 10.41% | 8.13% | 9.06% | 9.11% | 9.29% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.15% | 73.33% | 73.75% | 74.22% | 74.31% | 73.04% | 76.88% | 78.60% | +438 bps | |
| Liquid Assets / Assets | 4.62% | 5.28% | 5.66% | 5.56% | 2.91% | 10.91% | 7.30% | 5.43% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 277% | 286% | n/a | n/a | |