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Miners Exchange Bank

Coeburn, VA · Cert 23989

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Miners Exchange Bank

Coeburn, VA · Cert 23989

State charter, Fed member · FED · 5 branches

Q2 2026

$93.5MAssets
$56.8MLoans
$81.0MDeposits
$10.8MEquity
Loan mix
85%RE $47.6M5%C&I $2.5M10%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
48%Interest-bearing $39.2M52%Noninterest $41.8MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.25%Q2 ’255.28%Q2 ’26+1%+3%

Non-interest income vs. expense

4.72%Q2 ’244.79%Q2 ’255.48%Q2 ’26+4%+18%

Executive Summary

  • Earnings: ROA of -0.51%, down 70 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 3.16% of loans (+168 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 12.40%, down 32 bps from a year ago.
  • Funding: loans stand at 70.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.51%-70 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+11 bps YoY

Efficiency Ratio (YTD, annualized)

107.75%+1,264 bps YoY

Tier 1 Leverage Ratio

12.40%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.23%0.22%0.26%-0.51%-70 bps
Return on Equity1.67%2.04%1.89%2.22%-4.38%-605 bps
Net Interest Margin4.37%4.46%4.50%4.46%4.49%+11 bps
Efficiency Ratio95.11%94.17%93.70%91.49%107.75%+1,264 bps
Non-Interest Burden4.13%4.16%4.17%4.03%4.88%+75 bps
Growth
Asset Growth (YoY)1.36%0.18%1.22%0.25%-0.57%-193 bps
Loan Growth (YoY)2.77%2.61%3.21%-0.57%0.37%-240 bps
Deposit Growth (YoY)0.57%-0.37%0.41%-0.33%-0.66%-124 bps
Asset Quality
Nonperforming Loans / Loans1.48%2.16%2.29%2.86%3.16%+168 bps
Net Charge-Offs / Loans0.03%0.03%0.07%0.31%0.25%+22 bps
Allowance / Loans1.10%1.09%1.08%1.09%1.08%-2 bps
Allowance Coverage of NPLs0.7x0.5x0.5x0.4x0.3x-0.4x
Capital
Tier 1 Leverage Ratio12.73%13.02%12.89%12.72%12.40%-32 bps
Total Risk-Based Capital22.42%22.43%22.00%22.74%22.01%-41 bps
Equity / Assets11.47%12.09%11.81%11.71%11.58%+11 bps
Liquidity & Funding
Loans / Deposits69.35%72.48%70.95%68.67%70.07%+72 bps
Liquid Assets / Assets0.91%1.31%1.06%3.66%3.40%+249 bps
CRE / Total Capitaln/a141.74%142.04%136.93%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Miners Exchange Bank

Coeburn, VA · Cert 23989 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, Fed member · FED · 5 branches

Q2 2026

$93.5MAssets
$56.8MLoans
$81.0MDeposits
$10.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets operating in a single state (rank 94 of 746).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets operating in a single state (rank 729 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.52%

Rank 732 of 746

Net Interest Margin

4.49%

Rank 94 of 746

Efficiency Ratio

107.75%

Rank 729 of 746

Equity / Assets

11.58%

Rank 267 of 746

Non-interest income vs. expense

$0.6M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 107.75%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.52%0.72%1.06%1.45%Beats 2%732 / 746
Return on Equity-4.47%6.74%10.51%13.63%Beats 2%731 / 746
Net Interest Margin4.49%3.17%3.68%4.16%Beats 87%94 / 746
Efficiency Ratio107.75%55.74%64.58%75.47%Beats 2%729 / 746
Asset Quality
Nonperforming Loans / Loans3.16%0.09%0.42%1.07%Beats 5%707 / 743
Net Charge-Offs / Loans0.15%0.00%0.01%0.05%Beats 11%665 / 743
Capital
Tier 1 Capital Ratio20.90%11.55%13.75%17.60%Beats 85%113 / 746
Total Risk-Based Capital Ratio22.01%11.71%14.33%18.43%Beats 85%113 / 746
Equity / Assets11.58%8.90%10.51%13.06%Beats 64%267 / 746
Liquidity & Funding
Loans / Deposits70.07%61.31%78.27%90.78%36th pctl481 / 746
Loans / Assets60.75%53.60%66.97%76.08%37th pctl473 / 746
Brokered Deposits / Depositsn/aNot reported for this institution