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
Unfavorable gap of $4.6M · efficiency ratio beats 2% 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 | -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 |