BlastPoint's Banking Scorecard
Benchmark Community Bank
Designations: ✓ Community bank
Kenbridge, VA
18 branches across VA · NC
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 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
- Deposits +9.3% year over year ($1.3B on the books).
- Delinquency rate 0.18%.
- Return on assets 1.63%.
- Efficiency ratio 59.58% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.88% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Benchmark Community Bank shows strong momentum with 4 strengths and 9.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.87% above tier average
- + ROA 0.23% above tier average
- + Efficiency Ratio 0.14% below tier average
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+9.3% YoY
+0.8% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$1.1B
+7.4% YoY
-0.8% QoQ
|
-$829.9M |
$2.0B
-0.3% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$1.3B
+9.3% YoY
+0.8% QoQ
|
-$1.0B |
$2.3B
-0.5% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.63%
+9.4% YoY
+6.6% QoQ
|
+0.23% |
1.39%
+17.0% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.74%
+2.8% YoY
+1.1% QoQ
|
+0.87% |
3.87%
+6.2% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
Top 8.5% in tier |
| Efficiency Ratio ? |
59.58%
-0.6% YoY
-2.2% QoQ
|
-0.14% |
59.73%
-12.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
0.18%
-51.0% YoY
-22.4% QoQ
|
-0.69% |
0.87%
+11.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
88.88%
-1.8% YoY
-1.6% QoQ
|
+3.85% |
85.04%
-0.1% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
23.79%
-3.8% YoY
-5.7% QoQ
|
+2.52% |
21.27%
-1.5% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.16%
-46.6% YoY
-16.5% QoQ
|
-0.52% |
0.67%
+11.7% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.02%
+6.5% YoY
+4.1% QoQ
|
-1.82% |
14.84%
-0.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.36%
-2.5% YoY
+122.2% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
64% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
23.8%
-0.9pp YoY -1.4pp QoQ |
+2.4pp | 21.4% | 26.2% | 22.2% | 67% |
| Brokered Deposits |
6.7%
+1.7pp YoY +1.8pp QoQ |
-2.7pp | 9.5% | 8.5% | 8.5% | 57% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.8%
-0.4pp YoY 0.0pp QoQ |
-9.2pp | 14.0% | 11.0% | 12.5% | 17% |
| CRE |
52.0%
+2.1pp YoY -0.5pp QoQ |
+2.0pp | 50.0% | 46.9% | 41.4% | 57% |
| 1-4 Family |
40.5%
-1.2pp YoY +0.3pp QoQ |
+14.1pp | 26.4% | 32.6% | 31.3% | 82% |
| Consumer |
1.2%
-0.2pp YoY 0.0pp QoQ |
-3.5pp | 4.7% | 8.0% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+0.8pp YoY +0.5pp QoQ |
-2.6pp | 15.6% | 17.2% | 19.7% | 42% |
| Leverage Ratio |
9.8%
+0.3pp YoY +0.2pp QoQ |
-1.5pp | 11.3% | 12.2% | 12.6% | 31% |
| Total Capital Ratio |
13.9%
+0.8pp YoY +0.5pp QoQ |
-2.8pp | 16.7% | 18.3% | 20.8% | 37% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
231
+2 (+0.9%) YoY +3 (+1.3%) QoQ |
-83 | 313 | 1,956 | 482 | 48% |
| Assets per Employee ($) |
$6.1M
+8.4% YoY -0.5% QoQ |
-$4.4M | $10.5M | $9.9M | $8.8M | 14% |
| Branch Count |
18
+1 (+5.9%) YoY 0 QoQ |
-2 | 20 | 28 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 78% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.7% | 1.0% | 8% |
| Allowance Coverage |
4.43x
+98.3% YoY +29.8% QoQ |
-14.28x | 18.71x | 9.47x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.4%
+0.9pp YoY +1.0pp QoQ |
+4.9pp | 12.6% | 12.0% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.7% | 1.7% | 9% |
| Net Income ($, YTD) |
$11.3M
+20.3% YoY — QoQ |
-$7.9M | $19.2M | $137.1M | $40.4M | 45% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.