BlastPoint's Banking Scorecard
Benchmark Community Bank
Designations: ✓ Community bank
Kenbridge, VA
18 branches across VA · NC
Benchmark Community Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8.2% in tier
- + Net Interest Margin 0.87% above tier average
- + ROA 0.16% above tier average
- + Efficiency Ratio 0.15% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+9.2% YoY
+2.7% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$1.1B
+12.7% YoY
+1.7% QoQ
|
-$822.7M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$1.3B
+9.5% YoY
+3.1% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
1.52%
+3.2% YoY
-1.0% QoQ
|
+0.16% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
4.69%
+3.2% YoY
+0.5% QoQ
|
+0.87% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
Top 8.5% in tier |
| Efficiency Ratio ? |
60.91%
+2.8% YoY
+0.5% QoQ
|
-0.15% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.23%
+38.7% YoY
+17.4% QoQ
|
-0.66% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
90.33%
+2.9% YoY
-1.4% QoQ
|
+6.12% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
25.22%
-5.9% YoY
+3.8% QoQ
|
+3.93% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.19%
+45.2% YoY
+16.0% QoQ
|
-0.49% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
12.50%
+0.4% YoY
+1.5% QoQ
|
-2.66% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.16%
-4.6% YoY
-78.5% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
58% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.