Community Bankers' Bank
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
$139.4MAssets
$91.5MLoans
$94.9MDeposits
$19.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 712 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 5% 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 | 0.22% | 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 |