Farmers and Miners Bank
Pennington Gap, VA · Cert 22888 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, Fed member · FED · 6 branches
Q2 2026
$193.2MAssets
$100.6MLoans
$166.3MDeposits
$25.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets operating in a single state (rank 76 of 746).
- Widest gap: net charge-offs / loans trails 77% of banks under $1B in assets operating in a single state (rank 575 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.60%
Rank 137 of 746
Net Interest Margin
4.60%
Rank 76 of 746
Efficiency Ratio
61.12%
Rank 299 of 746
Equity / Assets
13.17%
Rank 178 of 746
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.72% | 1.06% | 1.45% | Beats 82% | 137 / 746 | | |
| Return on Equity | 12.16% | 6.74% | 10.51% | 13.63% | Beats 65% | 264 / 746 | | |
| Net Interest Margin | 4.60% | 3.17% | 3.68% | 4.16% | Beats 90% | 76 / 746 | | |
| Efficiency Ratio | 61.12% | 55.74% | 64.58% | 75.47% | Beats 60% | 299 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.42% | 1.07% | Beats 59% | 308 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 23% | 575 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.28% | 11.55% | 13.75% | 17.60% | Beats 45% | 412 / 746 | | |
| Total Risk-Based Capital Ratio | 13.28% | 11.71% | 14.33% | 18.43% | Beats 40% | 444 / 746 | | |
| Equity / Assets | 13.17% | 8.90% | 10.51% | 13.06% | Beats 76% | 178 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.48% | 61.31% | 78.27% | 90.78% | 24th pctl | 570 / 746 | | |
| Loans / Assets | 52.06% | 53.60% | 66.97% | 76.08% | 22nd pctl | 579 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |