BlastPoint's Banking Scorecard

Miners Exchange Bank

under $100M Specialty: Other VA FDIC cert 23989

Designations: ✓ Community bank

Coeburn, VA

5 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 536 banks in the under $100M peer group nationwide — 1 of 4 in VA.
Deposits -0.7% year over year ($81.0M on the books).
Delinquency rate 3.19%.
Return on assets -0.51%.
Efficiency ratio 107.75% vs a 119.40% peer average.
Loan-to-deposit ratio 69.31% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 4 in VA

View under $100M leaderboard (VA) →

Miners Exchange Bank has 3 strengths but faces 4 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 1.15% above tier average
+ Efficiency Ratio 11.64% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.51% below tier average
- Efficiency Ratio 11.64% below tier average
- Nonperforming Asset Ratio 1.35% above tier average
- Delinquency Rate 1.71% above tier average

Get updates when Miners Exchange Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$93.5M -0.6% YoY -1.5% QoQ	+$31.0M	$62.4M -0.0% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	Top 9.0% in tier
Total Loans ?	$56.2M +0.4% YoY +0.7% QoQ	+$21.3M	$34.9M -0.6% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$81.0M -0.7% YoY -1.3% QoQ	+$29.4M	$51.6M -0.2% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	Top 8.0% in tier
Return on Assets ?	-0.51% -374.2% YoY -296.2% QoQ	-1.51%	1.00% +3.5% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	Bottom 9.0% in tier
Net Interest Margin ?	5.06% +2.5% YoY +1.3% QoQ	+1.15%	3.91% +2.3% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	Top 11.0% in tier
Efficiency Ratio ?	107.75% +13.3% YoY +17.8% QoQ	-11.64%	119.40% +49.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Bottom 9.7% in tier
Delinquency Rate ?	3.19% +113.9% YoY +10.3% QoQ	+1.71%	1.48% +31.8% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	Bottom 11.2% in tier
Loan-to-Deposit Ratio ?	69.31% +1.1% YoY +2.0% QoQ	-4.90%	74.21% +12.6% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	51.57% -0.4% YoY -0.6% QoQ	+28.08%	23.49% +0.6% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	Top 2.4% in tier
Nonperforming Asset Ratio ?	2.18% +87.8% YoY +8.5% QoQ	+1.35%	0.84% +23.0% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	Bottom 9.5% in tier
Tier 1 Capital Ratio ?	20.90% -1.9% YoY -3.3% QoQ	-6.22%	27.13% +3.0% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.30% -7.8% YoY +90.4% QoQ	-1.08%	1.38% +6.3% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	84%

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	51.6% -0.2pp YoY -0.3pp QoQ	+26.9pp	24.6%	26.2%	22.2%	97%
Brokered Deposits	n/a	n/a	9.8%	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	4.8% -0.7pp YoY +0.3pp QoQ	-8.6pp	13.4%	11.0%	12.5%	20%
CRE	n/a	n/a	25.2%	46.9%	41.4%	n/a
1-4 Family	54.9% -0.1pp YoY -0.9pp QoQ	+19.9pp	35.0%	32.6%	31.3%	76%
Consumer	10.7% +0.1pp YoY +0.3pp QoQ	+3.1pp	7.7%	8.0%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	20.9% -0.4pp YoY -0.7pp QoQ	-17.8pp	38.7%	17.2%	19.7%	50%
Leverage Ratio	12.4% -0.3pp YoY -0.3pp QoQ	-5.3pp	17.7%	12.2%	12.6%	46%
Total Capital Ratio	22.0% -0.4pp YoY -0.7pp QoQ	-17.7pp	39.7%	18.3%	20.8%	51%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	44 0 YoY +1 (+2.3%) QoQ	+32	12	1,956	482	98%
Assets per Employee ($)	$2.1M -0.6% YoY -3.7% QoQ	-$4.1M	$6.2M	$9.9M	$8.8M	4%
Branch Count	5 0 YoY 0 QoQ	+3	1	28	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.2%	0.4%	n/a
Nonaccrual	3.2% +1.7pp YoY +0.3pp QoQ	+1.4pp	1.7%	0.7%	1.0%	88%
Allowance Coverage	0.34x -54.0% YoY -10.2% QoQ	-6.07x	6.41x	9.47x	20.23x	10%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY -0.1pp QoQ	+0.1pp	0.2%	0.2%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	-4.4% -6.0pp YoY -6.6pp QoQ	-10.8pp	6.4%	12.0%	11.6%	8%
Cost of Funds (YTD)	0.9% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.4%	1.7%	1.7%	21%
Net Income ($, YTD)	$-242000.0 -375.0% YoY — QoQ	-$560K	$317,817	$137.1M	$40.4M	6%

Get Full Access to Miners Exchange Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 536 peers in under $100M

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 51.57%

Peer Median: 23.49%

#14 of 536 Top 2.4% in under $100M

Total Deposits

size

Value: $81.02M

Peer Median: $51.62M

#44 of 536 Top 8.0% in under $100M

Total Assets

size

Value: $93.45M

Peer Median: $62.44M

#49 of 536 Top 9.0% in under $100M

Net Interest Margin

profitability

Value: 5.06%

Peer Median: 3.91%

#60 of 536 Top 11.0% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 1.38%

#85 of 536 Top 15.7% in under $100M

Total Loans

size

Value: $56.16M

Peer Median: $34.89M

#92 of 536 Top 17.0% in under $100M

Top Weaknesses (4 metrics)

489

Return on Assets

profitability

Value: -0.51%

Peer Median: 1.00%

#489 of 536 Bottom 9.0% in under $100M

486

Nonperforming Asset Ratio

credit_quality

Value: 2.18%

Peer Median: 0.84%

#486 of 536 Bottom 9.5% in under $100M

485

Efficiency Ratio

profitability

Value: 107.75%

Peer Median: 119.40%

#485 of 536 Bottom 9.7% in under $100M

460

Delinquency Rate

credit_quality

Value: 3.19%

Peer Median: 1.48%

#460 of 517 Bottom 11.2% in under $100M