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Burke & Herbert Bank & Trust Company

$10B-$250B Specialty: Commercial VA FDIC cert 11578

Alexandria, VA

106 branches across VA · WV · MD · PA · DE · KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in VA.
  • Deposits +40.7% year over year ($9.0B on the books).
  • Delinquency rate 1.21%.
  • Return on assets 1.06%.
  • Efficiency ratio 64.26% vs a 53.67% peer average.
  • Loan-to-deposit ratio 87.89% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in VA
View $10B-$250B leaderboard (VA) →

Burke & Herbert Bank & Trust Company has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.28% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 33.3% in tier
  • - Cost Spiral: Bottom 75.0% in tier
  • - Delinquency Rate 0.19% above tier average
Get updates when Burke & Herbert Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $11.0B
+36.7% YoY +38.8% QoQ
-$32.6B $43.6B
-13.8% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
Bottom 7.2% in tier
Total Loans ? $7.9B
+43.1% YoY +48.2% QoQ
-$20.1B $28.0B
-8.6% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
Bottom 11.5% in tier
Total Deposits ? $9.0B
+40.7% YoY +42.0% QoQ
-$26.4B $35.4B
-14.0% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
Bottom 7.2% in tier
Return on Assets ? 1.06%
-35.1% YoY -33.9% QoQ
-0.33% 1.39%
+25.9% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 4.20%
-1.1% YoY +1.8% QoQ
+0.28% 3.92%
+8.9% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 64.26%
+30.1% YoY +23.2% QoQ
+10.59% 53.67%
-1.9% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 1.21%
-22.1% YoY -18.1% QoQ
+0.19% 1.01%
-2.8% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 87.89%
+1.8% YoY +4.4% QoQ
+5.28% 82.61%
+3.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 23.20%
+8.4% YoY +7.1% QoQ
+2.62% 20.58%
+4.9% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.89%
-18.6% YoY -13.3% QoQ
+0.16% 0.73%
+5.8% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 13.32%
-4.7% YoY -12.1% QoQ
-2.03% 15.35%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.22%
-23.3% YoY +60.4% QoQ
-0.28% 0.50%
+10.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 23.2%
+1.8pp YoY
+1.5pp QoQ
 +2.2pp 21.0% 26.2% 22.2% 52%
Brokered Deposits 1.3%
-0.7pp YoY
+1.3pp QoQ
 -7.9pp 9.2% 8.5% 8.5% 19%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 9.4%
-0.7pp YoY
+0.7pp QoQ
 -7.8pp 17.2% 11.0% 12.5% 21%
CRE 69.6%
+2.0pp YoY
-0.5pp QoQ
 +27.6pp 42.0% 46.9% 41.4% 95%
1-4 Family 20.3%
-0.5pp YoY
-0.8pp QoQ
 -2.8pp 23.1% 32.6% 31.3% 44%
Consumer 0.5%
-0.1pp YoY
-0.1pp QoQ
 -12.4pp 12.9% 8.0% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 13.3%
-0.7pp YoY
-1.8pp QoQ
 -1.9pp 15.3% 17.2% 19.7% 60%
Leverage Ratio 12.3%
+0.7pp YoY
+0.3pp QoQ
 +1.8pp 10.4% 12.2% 12.6% 88%
Total Capital Ratio 14.3%
-0.8pp YoY
-2.0pp QoQ
 -2.2pp 16.5% 18.3% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 1,051
+232 (+28.3%) YoY
+221 (+26.6%) QoQ
 -2,207 3,258 1,956 482 22%
Assets per Employee ($) $10.5M
+6.5% YoY
+9.6% QoQ
 -$16.6M $27.0M $9.9M $8.8M 36%
Branch Count 106
+26 (+32.5%) YoY
+26 (+32.5%) QoQ
 -32 137 28 18 58%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.4% 0.2% 0.4% 65%
Nonaccrual 1.1%
-0.3pp YoY
-0.3pp QoQ
 +0.4pp 0.7% 0.7% 1.0% 87%
Allowance Coverage 0.99x
+26.1% YoY
+14.6% QoQ
 -1.82x 2.81x 9.47x 20.23x 19%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 8.9%
-6.1pp YoY
-4.7pp QoQ
 -3.7pp 12.6% 12.0% 11.6% 25%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 2.0% 1.7% 1.7% 44%
Net Income ($, YTD) $47.4M
-26.5% YoY
— QoQ
 -$249.4M $296.8M $137.1M $40.4M 6%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#7 of 18 • Bottom 33.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.06%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
18 of 18 Large banks match · 413 nationally
→ Stable +8 banks QoQ

Cost Spiral

risk
#10 of 12 • Bottom 75.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 64.26%
(Tier: 53.67%, National: 70.05%)
worse than tier avg
12 of 12 Large banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

25
Net Interest Margin
profitability
Value: 4.20%
Peer Median: 3.92%
#25 of 139 Top 17.3% in $10B-$250B

Top Weaknesses (6 metrics)

130
Total Deposits
size
Value: $9.00B
Peer Median: $35.42B
#130 of 139 Bottom 7.2% in $10B-$250B
130
Total Assets
size
Value: $10.98B
Peer Median: $43.60B
#130 of 139 Bottom 7.2% in $10B-$250B
124
Total Loans
size
Value: $7.91B
Peer Median: $27.97B
#124 of 139 Bottom 11.5% in $10B-$250B
115
Nonperforming Asset Ratio
credit_quality
Value: 0.89%
Peer Median: 0.73%
#115 of 139 Bottom 18.0% in $10B-$250B
115
Efficiency Ratio
profitability
Value: 64.26%
Peer Median: 53.67%
#115 of 139 Bottom 18.0% in $10B-$250B
112
Delinquency Rate
credit_quality
Value: 1.21%
Peer Median: 1.01%
#112 of 138 Bottom 19.6% in $10B-$250B
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