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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.15% | 0.18% | 0.11% | 0.22% | +9 bps | |
| Return on Equity | 1.02% | 1.11% | 1.32% | 0.84% | 1.62% | +60 bps | |
| Net Interest Margin | 2.61% | 2.69% | 2.78% | 2.75% | 2.78% | +17 bps | |
| Efficiency Ratio | 96.58% | 96.16% | 96.07% | 97.10% | 94.31% | -227 bps | |
| Non-Interest Burden | 2.47% | 2.53% | 2.61% | 2.62% | 2.52% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.46% | -21.21% | -10.06% | 9.03% | 0.60% | +906 bps | |
| Loan Growth (YoY) | -11.16% | -14.13% | -14.18% | -12.35% | -4.99% | +617 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.04% | 0.10% | 0.04% | +7 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.06% | 14.60% | 15.26% | 15.57% | 15.43% | +137 bps | |
| Total Risk-Based Capital | 14.06% | 14.60% | 15.26% | 15.57% | 15.43% | +137 bps | |
| Equity / Assets | 13.42% | 14.16% | 14.89% | 12.40% | 13.81% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.15% | 89.00% | 94.71% | 93.92% | 96.34% | +519 bps | |
| Liquid Assets / Assets | 5.59% | 6.42% | 6.66% | 4.86% | 4.80% | -79 bps | |
| CRE / Total Capital | n/a | 351% | 348% | 339% | n/a | n/a | |