BlastPoint's Banking Scorecard

The Bank of Charlotte County

$100M-$1B Specialty: Other VA FDIC cert 14491

Phenix, VA

6 branches across VA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
Deposits +8.7% year over year ($194.5M on the books).
Delinquency rate 0.34%.
Return on assets 3.44%.
Efficiency ratio 44.61% vs a 64.48% peer average.
Loan-to-deposit ratio 71.29% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 23 in VA

View $100M-$1B leaderboard (VA) →

The Bank of Charlotte County shows strong momentum with 5 strengths and 7.3% YoY asset growth

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

+ Revenue Diversifier: Top 0.6% in tier
+ Profitability Leader: Top 1.2% in tier
+ Efficiency Ratio 19.86% below tier average
+ Net Interest Margin 0.55% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Bank of Charlotte County releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$222.8M +7.3% YoY -0.6% QoQ	-$163.8M	$386.6M +1.2% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$138.7M -6.6% YoY -0.7% QoQ	-$119.7M	$258.3M +1.7% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$194.5M +8.7% YoY -2.6% QoQ	-$132.2M	$326.7M +0.7% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	3.44% +166.1% YoY +141.9% QoQ	+2.11%	1.32% +10.8% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	Top 1.1% in tier
Net Interest Margin ?	4.54% +0.1% YoY +2.7% QoQ	+0.55%	3.99% +5.0% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	44.61% -30.9% YoY -31.0% QoQ	-19.86%	64.48% -3.2% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Top 8.5% in tier
Delinquency Rate ?	0.34% -31.6% YoY -65.3% QoQ	-0.58%	0.92% +15.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	71.29% -14.0% YoY +2.0% QoQ	-6.66%	77.95% +1.0% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	28.85% -6.8% YoY -4.1% QoQ	+6.82%	22.03% -0.6% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	0.29% -36.2% YoY -58.5% QoQ	-0.38%	0.67% +16.4% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	20.00% +16.6% YoY +14.3% QoQ	+4.09%	15.91% +1.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	Top 13.8% in tier
Non-Interest Income / Assets ?	1.61% +627.3% YoY +992.3% QoQ	+1.04%	0.57% +7.6% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Top 2.1% in tier

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	28.9% -2.1pp YoY -1.2pp QoQ	+6.7pp	22.1%	26.2%	22.2%	79%
Brokered Deposits	n/a	n/a	7.9%	8.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	5.3% -1.1pp YoY -0.1pp QoQ	-6.3pp	11.6%	11.0%	12.5%	22%
CRE	23.9% +1.1pp YoY -0.1pp QoQ	-15.6pp	39.5%	46.9%	41.4%	25%
1-4 Family	50.5% +2.6pp YoY -0.4pp QoQ	+17.9pp	32.6%	32.6%	31.3%	83%
Consumer	2.4% -0.2pp YoY +0.1pp QoQ	-1.7pp	4.1%	8.0%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	20.0% +2.9pp YoY +2.5pp QoQ	+1.2pp	18.8%	17.2%	19.7%	78%
Leverage Ratio	12.8% +0.7pp YoY +1.5pp QoQ	+0.6pp	12.2%	12.2%	12.6%	73%
Total Capital Ratio	21.3% +3.1pp YoY +2.7pp QoQ	+1.3pp	19.9%	18.3%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	48 -1 (-2.0%) YoY 0 QoQ	-11	58	1,956	482	50%
Assets per Employee ($)	$4.6M +9.5% YoY -0.6% QoQ	-$2.9M	$7.5M	$9.9M	$8.8M	10%
Branch Count	6 0 YoY 0 QoQ	+1	4	28	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.4pp YoY	-0.3pp	0.3%	0.2%	0.4%	31%
Nonaccrual	0.3% +0.3pp YoY -0.7pp QoQ	-0.6pp	0.9%	0.7%	1.0%	39%
Allowance Coverage	3.76x +102.7% YoY +227.2% QoQ	-20.39x	24.15x	9.47x	20.23x	64%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	0.0pp	0.1%	0.2%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	31.1% +19.0pp YoY +17.5pp QoQ	+18.9pp	12.2%	12.0%	11.6%	98%
Cost of Funds (YTD)	0.9% -0.2pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.7%	1.7%	7%
Net Income ($, YTD)	$3.9M +190.2% YoY — QoQ	+$1.3M	$2.6M	$137.1M	$40.4M	79%

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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 (2)

Revenue Diversifier

growth

#5 of 661 • Top 0.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.61%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 3.44%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Profitability Leader

growth

#9 of 661 • Top 1.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.44%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 3.44%

Peer Median: 1.32%

#29 of 2643 Top 1.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.61%

Peer Median: 0.57%

#57 of 2643 Top 2.1% in $100M-$1B

225

Efficiency Ratio

profitability

Value: 44.61%

Peer Median: 64.48%

#225 of 2643 Top 8.5% in $100M-$1B

365

Tier 1 Capital Ratio

capital

Value: 20.00%

Peer Median: 15.91%

#365 of 2643 Top 13.8% in $100M-$1B

505

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.99%

#505 of 2643 Top 19.1% in $100M-$1B

562

Non-Interest-Bearing Deposit Share

funding

Value: 28.85%

Peer Median: 22.03%

#562 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available