Coeburn, VA · Cert 23989
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.32% | 0.18% | 0.26% | -1.29% | -164 bps | |
| Return on Equity | 3.11% | 2.74% | 1.47% | 2.22% | -11.09% | -1,421 bps | |
| Net Interest Margin | 4.54% | 4.48% | 4.78% | 4.46% | 4.51% | -2 bps | |
| Efficiency Ratio | 91.04% | 92.30% | 92.38% | 91.49% | 124.13% | +3,309 bps | |
| Non-Interest Burden | 4.06% | 4.09% | 4.37% | 4.03% | 5.73% | +167 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 / Loans | 1.48% | 2.16% | 2.29% | 2.86% | 3.16% | +168 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.01% | 0.19% | 0.31% | 0.19% | +25 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.08% | 1.09% | 1.08% | -2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.5x | 0.4x | 0.3x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.73% | 13.02% | 12.89% | 12.72% | 12.40% | -32 bps | |
| Total Risk-Based Capital | 22.42% | 22.43% | 22.00% | 22.74% | 22.01% | -41 bps | |
| Equity / Assets | 11.47% | 12.09% | 11.81% | 11.71% | 11.58% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.35% | 72.48% | 70.95% | 68.67% | 70.07% | +72 bps | |
| Liquid Assets / Assets | 0.91% | 1.31% | 1.06% | 3.66% | 3.40% | +249 bps | |
| CRE / Total Capital | n/a | 141.74% | 142.04% | 136.93% | n/a | n/a | |