Coeburn, VA · Cert 23989
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
78
Asset Quality
8
Profitability
30
Liquidity
74
Efficiency
2
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.
Coeburn, VA · Cert 23989
State charter, Fed member · FED · 5 branches
Q2 2026
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 | 0.24% | 0.16% | 0.02% | 0.19% | 0.23% | 0.22% | 0.26% | -0.51% | -70 bps | |
| Return on Equity | 2.18% | 1.45% | 0.19% | 1.67% | 2.04% | 1.89% | 2.22% | -4.38% | -605 bps | |
| Net Interest Margin | 4.39% | 4.28% | 4.20% | 4.37% | 4.46% | 4.50% | 4.46% | 4.49% | +11 bps | |
| Efficiency Ratio | 93.76% | 95.07% | 99.56% | 95.11% | 94.17% | 93.70% | 91.49% | 107.75% | +1,264 bps | |
| Non-Interest Burden | 4.07% | 4.04% | 4.18% | 4.13% | 4.16% | 4.17% | 4.03% | 4.88% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 2.61% | 3.32% | 1.36% | 0.18% | 1.22% | 0.25% | -0.57% | -193 bps | |
| Loan Growth (YoY) | 10.05% | 8.46% | 7.55% | 2.77% | 2.61% | 3.21% | -0.57% | 0.37% | -240 bps | |
| Deposit Growth (YoY) | -0.39% | 2.13% | 2.62% | 0.57% | -0.37% | 0.41% | -0.33% | -0.66% | -124 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.66% | 1.65% | 1.96% | 1.48% | 2.16% | 2.29% | 2.86% | 3.16% | +168 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.13% | 0.03% | 0.03% | 0.07% | 0.31% | 0.25% | +22 bps | |
| Allowance / Loans | 1.07% | 1.10% | 1.06% | 1.10% | 1.09% | 1.08% | 1.09% | 1.08% | -2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.5x | 0.7x | 0.5x | 0.5x | 0.4x | 0.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.99% | 12.75% | 12.61% | 12.73% | 13.02% | 12.89% | 12.72% | 12.40% | -32 bps | |
| Total Risk-Based Capital | 22.93% | 21.89% | 22.21% | 22.42% | 22.43% | 22.00% | 22.74% | 22.01% | -41 bps | |
| Equity / Assets | 11.59% | 10.94% | 11.14% | 11.47% | 12.09% | 11.81% | 11.71% | 11.58% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.38% | 69.03% | 68.84% | 69.35% | 72.48% | 70.95% | 68.67% | 70.07% | +72 bps | |
| Liquid Assets / Assets | 1.75% | 1.08% | 1.09% | 0.91% | 1.31% | 1.06% | 3.66% | 3.40% | +249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 141.74% | 142.04% | 136.93% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 4.49% | 3.17% | 3.68% | 4.16% | Beats 87% | 94 / 746 | ||
| Efficiency Ratio | 107.75% | 55.74% | 64.58% | 75.47% | Beats 2% | 729 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.16% | 0.09% | 0.42% | 1.07% | Beats 5% | 707 / 743 | ||
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.01% | 0.05% | Beats 11% | 665 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.90% | 11.55% | 13.75% | 17.60% | Beats 85% | 113 / 746 | ||
| Total Risk-Based Capital Ratio | 22.01% | 11.71% | 14.33% | 18.43% | Beats 85% | 113 / 746 | ||
| Equity / Assets | 11.58% | 8.90% | 10.51% | 13.06% | Beats 64% | 267 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.07% | 61.31% | 78.27% | 90.78% | 36th pctl | 481 / 746 | ||
| Loans / Assets | 60.75% | 53.60% | 66.97% | 76.08% | 37th pctl | 473 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||