Danville, VA · Cert 9502
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
74
Profitability
43
Liquidity
87
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Danville, VA · Cert 9502
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #39 of 47 inst. · $0.1B of $432.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | -0.92% | -0.31% | -0.08% | -0.13% | -0.14% | 0.62% | 0.96% | +103 bps | |
| Return on Equity | -5.85% | -9.01% | -3.34% | -0.81% | -1.44% | -1.42% | 5.54% | 8.55% | +936 bps | |
| Net Interest Margin | 2.90% | 2.86% | 3.04% | 3.21% | 3.17% | 3.17% | 3.20% | 3.41% | +20 bps | |
| Efficiency Ratio | 118.04% | 122.32% | 110.08% | 102.98% | 105.19% | 105.02% | 87.47% | 82.95% | -2,003 bps | |
| Non-Interest Burden | 3.65% | 3.77% | 3.42% | 3.30% | 3.36% | 3.35% | 2.40% | 2.17% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | 4.17% | 1.43% | 5.51% | 4.28% | -1.81% | 3.00% | 1.38% | -413 bps | |
| Loan Growth (YoY) | 13.85% | 6.19% | 4.22% | 2.46% | 1.59% | -4.19% | -6.51% | -10.37% | -1,283 bps | |
| Deposit Growth (YoY) | 0.69% | 3.29% | 3.89% | 10.44% | -9.88% | -18.46% | 1.58% | -0.68% | -1,112 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.07% | 0.07% | 0.21% | 0.92% | 0.60% | 0.07% | 0 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.06% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 0.80% | 0.78% | 0.77% | 0.76% | 0.74% | 0.77% | 0.78% | 0.82% | +6 bps | |
| Allowance Coverage of NPLs | 9.6x | 9.9x | 10.4x | 10.8x | 3.5x | 0.8x | 1.3x | 12.3x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.22% | 9.60% | 9.12% | 9.34% | 8.88% | 10.36% | 10.44% | 11.12% | +178 bps | |
| Total Risk-Based Capital | 13.52% | 13.62% | 13.31% | 13.67% | 13.96% | 16.40% | 16.80% | 17.81% | +415 bps | |
| Equity / Assets | 10.39% | 9.42% | 9.38% | 9.16% | 9.42% | 11.52% | 10.95% | 11.13% | +197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.07% | 89.68% | 86.44% | 83.33% | 100.41% | 105.38% | 79.55% | 75.20% | -812 bps | |
| Liquid Assets / Assets | 8.69% | 9.07% | 9.14% | 12.40% | 11.92% | 10.16% | 16.52% | 20.89% | +850 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 500% | 416% | 413% | n/a | n/a | |
Danville, VA · Cert 9502 · Peer group: banks under $1B in assets (n=570-617)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.93%
Rank 345 of 617
Net Interest Margin
3.41%
Rank 349 of 617
Efficiency Ratio
82.95%
Rank 494 of 617
Equity / Assets
11.13%
Rank 271 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.60% | 1.01% | 1.45% | Beats 44% | 345 / 617 | ||
| Return on Equity | 8.37% | 5.30% | 9.43% | 13.30% | Beats 43% | 354 / 617 | ||
| Net Interest Margin | 3.41% | 3.04% | 3.54% | 4.05% | Beats 43% | 349 / 617 | ||
| Efficiency Ratio | 82.95% | 58.03% | 67.76% | 79.08% | Beats 20% | 494 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.09% | 0.47% | 1.27% | Beats 78% | 127 / 570 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 69% | 178 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.95% | 11.18% | 13.83% | 18.55% | Beats 69% | 189 / 617 | ||
| Total Risk-Based Capital Ratio | 17.81% | 11.56% | 14.39% | 19.39% | Beats 70% | 186 / 617 | ||
| Equity / Assets | 11.13% | 9.03% | 10.55% | 13.63% | Beats 56% | 271 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.20% | 64.77% | 79.70% | 93.06% | 42nd pctl | 340 / 582 | ||
| Loans / Assets | 66.15% | 51.70% | 67.18% | 77.51% | 48th pctl | 318 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||