BlastPoint's Banking Scorecard

Burke & Herbert Bank & Trust Company

$1B-$10B Specialty: Commercial VA FDIC cert 11578

Alexandria, VA

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

884 banks in the $1B-$10B peer group nationally 24 in VA

Burke & Herbert Bank & Trust Company has 3 strengths but faces 2 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

+ ROA 0.24% above tier average
+ Net Interest Margin 0.31% above tier average
+ Efficiency Ratio 8.92% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 47.7% in tier
- Delinquency Rate 0.58% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$7.9B +1.1% YoY +0.2% QoQ	+$5.1B	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	Top 4.6% in tier
Total Loans ?	$5.3B -4.4% YoY +0.3% QoQ	+$3.4B	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	Top 5.3% in tier
Total Deposits ?	$6.3B -3.2% YoY -1.1% QoQ	+$4.0B	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	Top 5.2% in tier
Return on Assets ?	1.60% +1.1% YoY -4.9% QoQ	+0.24%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	4.13% -3.0% YoY -3.3% QoQ	+0.31%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	52.14% +3.5% YoY +7.7% QoQ	-8.92%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	1.47% +26.9% YoY +5.5% QoQ	+0.58%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	84.20% -1.2% YoY +1.5% QoQ	+0.00%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	21.66% +2.0% YoY +3.4% QoQ	+0.37%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	1.03% +19.9% YoY +6.0% QoQ	+0.36%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	15.15% +12.1% YoY +2.5% QoQ	-0.01%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.13% +7.2% YoY -76.6% QoQ	-0.12%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Deposit Outflow

decline

#63 of 130 • Bottom 47.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Total Assets

size

Value: $7.91B

Peer Median: $2.82B

#42 of 884 Top 4.6% in $1B-$10B

Total Deposits

size

Value: $6.34B

Peer Median: $2.34B

#47 of 884 Top 5.2% in $1B-$10B

Total Loans

size

Value: $5.34B

Peer Median: $1.96B

#48 of 884 Top 5.3% in $1B-$10B

202

Net Interest Margin

profitability

Value: 4.13%

Peer Median: 3.82%

#202 of 884 Top 22.7% in $1B-$10B

212

Return on Assets

profitability

Value: 1.60%

Peer Median: 1.37%

#212 of 884 Top 23.9% in $1B-$10B

Top Weaknesses (2 metrics)

740

Delinquency Rate

credit_quality

Value: 1.47%

Peer Median: 0.89%

#740 of 880 Bottom 16.0% in $1B-$10B

711

Nonperforming Asset Ratio

credit_quality

Value: 1.03%

Peer Median: 0.67%

#711 of 884 Bottom 19.7% in $1B-$10B