Virginia Beach, VA · Cert 59262
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Virginia Beach-Chesapeake-Norfolk, VA-NC · 2026 SOD (annual) · 0.2% share · #17 of 22 inst. · $0.1B of $31.1B
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 | -0.11% | -0.01% | 0.07% | 0.16% | 0.28% | +38 bps | |
| Return on Equity | -0.47% | -0.04% | 0.32% | 0.71% | 1.28% | +175 bps | |
| Net Interest Margin | 3.53% | 3.62% | 3.75% | 4.01% | 4.04% | +51 bps | |
| Efficiency Ratio | 102.25% | 98.54% | 95.66% | 95.36% | 90.37% | -1,188 bps | |
| Non-Interest Burden | 3.61% | 3.53% | 3.55% | 3.79% | 3.61% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.38% | 9.54% | 9.74% | -5.10% | 11.71% | +133 bps | |
| Loan Growth (YoY) | 13.56% | 13.66% | 7.53% | 9.33% | 1.55% | -1,201 bps | |
| Deposit Growth (YoY) | 17.58% | 10.29% | 5.39% | 16.35% | 11.77% | -581 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 26.43% | 24.62% | 24.64% | 24.60% | 24.06% | -237 bps | |
| Total Risk-Based Capital | 38.18% | 37.21% | 38.22% | 38.42% | 38.78% | +60 bps | |
| Equity / Assets | 21.27% | 21.65% | 21.82% | 24.68% | 19.13% | -214 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.53% | 81.02% | 83.24% | 73.35% | 67.72% | -681 bps | |
| Liquid Assets / Assets | 29.06% | 20.55% | 21.87% | 15.82% | 29.41% | +35 bps | |
| CRE / Total Capital | n/a | 182.92% | 184.91% | 177.95% | n/a | n/a | |