BlastPoint's Banking Scorecard

The Bank of Charlotte County

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

Phenix, VA

6 branches across VA

2664 banks in the $100M-$1B peer group nationally 22 in VA

The Bank of Charlotte County has 3 strengths but faces 1 concern

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 0.15% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 0.59% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.09% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$224.2M +7.8% YoY -1.7% QoQ	-$161.9M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	32%
Total Loans ?	$139.6M -7.1% YoY -1.5% QoQ	-$116.1M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$199.6M +10.8% YoY -2.0% QoQ	-$128.4M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	1.42% +7.6% YoY +14.1% QoQ	+0.15%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	4.42% -3.6% YoY -2.4% QoQ	+0.49%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	64.69% -0.8% YoY +0.8% QoQ	-0.59%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.98% +126.7% YoY -17.0% QoQ	+0.09%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	69.92% -16.1% YoY +0.5% QoQ	-6.72%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	30.08% -5.8% YoY +3.2% QoQ	+8.06%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.70% +70.0% YoY -14.7% QoQ	+0.07%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	17.50% +5.9% YoY +3.7% QoQ	+1.67%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.15% +72.0% YoY -63.3% QoQ	-0.13%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	73%

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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 (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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

477

Non-Interest-Bearing Deposit Share

funding

Value: 30.08%

Peer Median: 22.02%

#477 of 2664 Top 17.9% in $100M-$1B

553

Tier 1 Capital Ratio

capital

Value: 17.50%

Peer Median: 15.83%

#553 of 2664 Top 20.7% in $100M-$1B

570

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.93%

#570 of 2664 Top 21.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available