Midlothian, VA · Cert 26871 · CBB Financial Corp.
State charter, Fed member · FED · 1 branch
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
68
Asset Quality
67
Profitability
8
Liquidity
18
Efficiency
5
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.
Midlothian, VA · Cert 26871 · CBB Financial Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Richmond, VA · 2026 SOD (annual) · 0.2% share · #21 of 30 inst. · $0.1B of $60.7B
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 | 0.15% | 0.14% | 0.18% | 0.13% | 0.15% | 0.18% | 0.11% | 0.22% | +9 bps | |
| Return on Equity | 1.27% | 1.24% | 1.42% | 1.02% | 1.11% | 1.32% | 0.84% | 1.62% | +60 bps | |
| Net Interest Margin | 2.56% | 2.57% | 2.59% | 2.61% | 2.69% | 2.78% | 2.75% | 2.78% | +17 bps | |
| Efficiency Ratio | 96.19% | 96.22% | 95.16% | 96.58% | 96.16% | 96.07% | 97.10% | 94.31% | -227 bps | |
| Non-Interest Burden | 2.39% | 2.40% | 2.38% | 2.47% | 2.53% | 2.61% | 2.62% | 2.52% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.83% | -7.12% | -8.36% | -8.46% | -21.21% | -10.06% | 9.03% | 0.60% | +906 bps | |
| Loan Growth (YoY) | -2.64% | -7.69% | -10.51% | -11.16% | -14.13% | -14.18% | -12.35% | -4.99% | +617 bps | |
| Deposit Growth (YoY) | 1.55% | -0.94% | -9.70% | -9.85% | -11.14% | -13.78% | -12.01% | -10.11% | -26 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.04% | -0.03% | -0.03% | -0.04% | 0.10% | 0.04% | +7 bps | |
| Allowance / Loans | 1.76% | 1.78% | 1.85% | 1.96% | 2.09% | 2.06% | 2.06% | 2.01% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.14% | 13.46% | 13.92% | 14.06% | 14.60% | 15.26% | 15.57% | 15.43% | +137 bps | |
| Total Risk-Based Capital | 13.14% | 13.46% | 13.92% | 14.06% | 14.60% | 15.26% | 15.57% | 15.43% | +137 bps | |
| Equity / Assets | 10.86% | 12.66% | 13.08% | 13.42% | 14.16% | 14.89% | 12.40% | 13.81% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.10% | 95.14% | 94.28% | 91.15% | 89.00% | 94.71% | 93.92% | 96.34% | +519 bps | |
| Liquid Assets / Assets | 21.30% | 5.44% | 5.59% | 5.59% | 6.42% | 6.66% | 4.86% | 4.80% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 351% | 348% | 339% | n/a | n/a | |
Midlothian, VA · Cert 26871 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CBB Financial Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
0.22%
Rank 688 of 746
Net Interest Margin
2.78%
Rank 669 of 746
Efficiency Ratio
94.31%
Rank 712 of 746
Equity / Assets
13.81%
Rank 152 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.72% | 1.06% | 1.45% | Beats 8% | 688 / 746 | ||
| Return on Equity | 1.61% | 6.74% | 10.51% | 13.63% | Beats 7% | 695 / 746 | ||
| Net Interest Margin | 2.78% | 3.17% | 3.68% | 4.16% | Beats 10% | 669 / 746 | ||
| Efficiency Ratio | 94.31% | 55.74% | 64.58% | 75.47% | Beats 5% | 712 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 33% | 497 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.43% | 11.55% | 13.75% | 17.60% | Beats 65% | 261 / 746 | ||
| Total Risk-Based Capital Ratio | 15.43% | 11.71% | 14.33% | 18.43% | Beats 59% | 308 / 746 | ||
| Equity / Assets | 13.81% | 8.90% | 10.51% | 13.06% | Beats 80% | 152 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.34% | 61.31% | 78.27% | 90.78% | 86th pctl | 105 / 746 | ||
| Loans / Assets | 65.60% | 53.60% | 66.97% | 76.08% | 46th pctl | 404 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||