Lexington, VA · Cert 58859
State charter, Fed member · FED · 4 branches
Q2 2026
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 | 0.71% | 0.73% | 0.78% | 0.84% | 0.88% | 0.95% | 1.22% | 1.20% | +37 bps | |
| Return on Equity | 7.01% | 7.28% | 7.66% | 8.18% | 8.57% | 9.22% | 11.61% | 11.36% | +318 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.43% | 3.52% | 3.63% | 3.72% | 4.26% | 4.33% | +82 bps | |
| Efficiency Ratio | 74.37% | 73.70% | 74.98% | 73.63% | 71.25% | 69.36% | 66.17% | 65.38% | -826 bps | |
| Non-Interest Burden | 2.30% | 2.30% | 2.46% | 2.48% | 2.46% | 2.45% | 2.65% | 2.67% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.93% | 4.20% | 4.11% | 0.77% | 0.72% | 0.78% | 2.60% | 3.95% | +318 bps | |
| Loan Growth (YoY) | 2.15% | 4.69% | 3.85% | 4.58% | 6.27% | 3.12% | 6.57% | 3.94% | -64 bps | |
| Deposit Growth (YoY) | 6.13% | 4.48% | 4.27% | 0.36% | 0.28% | 2.41% | 4.61% | 5.88% | +552 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.18% | 1.12% | 1.20% | 1.05% | 1.31% | 1.13% | 0.82% | 0.87% | -18 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.02% | -0.03% | -0.03% | -0.03% | -0.02% | -0.02% | +1 bps | |
| Allowance / Loans | 0.86% | 0.84% | 0.85% | 0.83% | 0.91% | 1.01% | 1.01% | 1.08% | +25 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.7x | 0.8x | 0.7x | 0.9x | 1.2x | 1.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.11% | 9.99% | 10.29% | 10.49% | 10.64% | 10.39% | 10.69% | 10.86% | +36 bps | |
| Total Risk-Based Capital | 10.11% | 9.99% | 10.29% | 10.49% | 10.64% | 10.39% | 10.69% | 10.86% | +36 bps | |
| Equity / Assets | 10.13% | 10.01% | 10.28% | 10.40% | 10.55% | 10.51% | 10.59% | 10.65% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.27% | 91.93% | 92.94% | 94.82% | 95.66% | 92.56% | 94.69% | 93.08% | -174 bps | |
| Liquid Assets / Assets | 15.99% | 13.73% | 13.12% | 11.57% | 11.21% | 12.34% | 11.22% | 12.19% | +62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 329% | 324% | 338% | n/a | n/a | |