BlastPoint's Banking Scorecard

Miners Exchange Bank

under $100M Specialty: Other VA FDIC cert 23989

Designations: ✓ Community bank

Coeburn, VA

5 branches across VA

537 banks in the under $100M peer group nationally 5 in VA

Miners Exchange Bank has 2 strengths but faces 3 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

+ Non-Interest-Bearing Deposit Share 28.08% above tier average
+ Net Interest Margin 1.12% above tier average

Key Concerns

Areas that may need attention

- ROA 0.59% below tier average
- Efficiency Ratio 3.86% above tier average
- Delinquency Rate 1.53% 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 ?	$94.9M +0.2% YoY -0.3% QoQ	+$32.6M	$62.3M -0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.0% YoY	Top 6.1% in tier
Total Loans ?	$55.8M -0.6% YoY -3.3% QoQ	+$21.5M	$34.3M -1.5% YoY	$10.6B +27.9% YoY	$3.2B +10.7% YoY	84%
Total Deposits ?	$82.1M -0.3% YoY -0.1% QoQ	+$30.3M	$51.8M -0.6% YoY	$14.1B +22.4% YoY	$4.8B +8.0% YoY	Top 5.6% in tier
Return on Assets ?	0.26% +20.1% QoQ	-0.59%	0.86% -3.6% YoY	1.15% +53.9% YoY	1.24% +13.1% YoY	22%
Net Interest Margin ?	4.99% +4.7% YoY -1.4% QoQ	+1.12%	3.87% +2.7% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	Top 10.8% in tier
Efficiency Ratio ?	91.49% -8.1% YoY -2.4% QoQ	+3.86%	87.63% +2.3% YoY	65.58% -7.6% YoY	66.84% -3.8% YoY	19%
Delinquency Rate ?	2.90% +46.2% YoY +25.0% QoQ	+1.53%	1.36% +33.7% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Bottom 12.6% in tier
Loan-to-Deposit Ratio ?	67.93% -0.3% YoY -3.2% QoQ	+3.82%	64.11% -0.9% YoY	79.34% +0.5% YoY	76.69% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	51.87% -1.4% YoY -2.1% QoQ	+28.08%	23.79% +0.5% YoY	25.27% -0.4% YoY	22.01% -1.1% YoY	Top 2.8% in tier
Nonperforming Asset Ratio ?	2.01% +31.1% YoY +14.5% QoQ	+1.24%	0.77% +28.7% YoY	0.55% +12.2% YoY	0.66% +19.3% YoY	Bottom 10.6% in tier
Tier 1 Capital Ratio ?	21.63% +2.4% YoY +3.5% QoQ	-5.14%	26.77% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.16% +7.5% YoY -74.7% QoQ	-0.51%	0.67% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.0% YoY	Top 14.0% in tier

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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 537 peers in under $100M

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 51.87%

Peer Median: 23.79%

#16 of 537 Top 2.8% in under $100M

Total Deposits

size

Value: $82.12M

Peer Median: $51.83M

#31 of 537 Top 5.6% in under $100M

Total Assets

size

Value: $94.88M

Peer Median: $62.28M

#34 of 537 Top 6.1% in under $100M

Net Interest Margin

profitability

Value: 4.99%

Peer Median: 3.87%

#59 of 537 Top 10.8% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.67%

#76 of 537 Top 14.0% in under $100M

Total Loans

size

Value: $55.78M

Peer Median: $34.29M

#85 of 537 Top 15.6% in under $100M

Top Weaknesses (4 metrics)

481

Nonperforming Asset Ratio

credit_quality

Value: 2.01%

Peer Median: 0.77%

#481 of 537 Bottom 10.6% in under $100M

453

Delinquency Rate

credit_quality

Value: 2.90%

Peer Median: 1.36%

#453 of 517 Bottom 12.6% in under $100M

436

Efficiency Ratio

profitability

Value: 91.49%

Peer Median: 87.63%

#436 of 537 Bottom 19.0% in under $100M

422

Return on Assets

profitability

Value: 0.26%

Peer Median: 0.86%

#422 of 537 Bottom 21.6% in under $100M