Bank of McKenney
McKenney, VA · Cert 6139 · Peer group: banks under $1B in assets (n=553-600)
FDIC · 12 branches
Q3 2024
$660.8MAssets
$492.4MLoans
$559.1MDeposits
$59.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets (rank 159 of 553).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 555 of 599).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.09%
Rank 527 of 600
Net Interest Margin
3.27%
Rank 268 of 599
Efficiency Ratio
89.51%
Rank 498 of 599
Equity / Assets
8.93%
Rank 401 of 599
Non-interest income vs. expense
Unfavorable gap of $19.0M · efficiency ratio beats 17% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.09% | 0.46% | 0.79% | 1.24% | Beats 12% | 527 / 600 | | |
| Return on Equity | 1.00% | 4.80% | 8.06% | 11.58% | Beats 13% | 524 / 599 | | |
| Net Interest Margin | 3.27% | 2.69% | 3.18% | 3.78% | Beats 55% | 268 / 599 | | |
| Efficiency Ratio | 89.51% | 60.70% | 71.81% | 83.57% | Beats 17% | 498 / 599 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.07% | 0.33% | 0.86% | Beats 71% | 159 / 553 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.08% | Beats 68% | 182 / 553 | | |
| Capital |
| Tier 1 Capital Ratio | 10.02% | 11.16% | 13.46% | 17.80% | Beats 9% | 546 / 599 | | |
| Total Risk-Based Capital Ratio | 10.02% | 11.63% | 14.22% | 18.75% | Beats 7% | 555 / 599 | | |
| Equity / Assets | 8.93% | 8.41% | 10.03% | 12.90% | Beats 33% | 401 / 599 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.07% | 64.78% | 79.25% | 91.89% | 67th pctl | 185 / 562 | | |
| Loans / Assets | 74.51% | 56.05% | 67.49% | 76.84% | 69th pctl | 172 / 553 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |