BlastPoint's Banking Scorecard
Miners Exchange Bank
Designations: ✓ Community bank
Coeburn, VA
5 branches across VA
Miners Exchange Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 28.15% above tier average
- + Net Interest Margin 1.13% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency Ratio 3.14% above tier average
- - Delinquency Rate 1.52% above tier average
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
|
+$32.7M |
$62.2M
-0.6% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
Top 6.1% in tier |
| Total Loans ? |
$55.8M
-0.6% YoY
-3.3% QoQ
|
+$21.5M |
$34.2M
-1.4% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$82.1M
-0.3% YoY
-0.1% QoQ
|
+$30.4M |
$51.7M
-0.7% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
Top 5.5% in tier |
| Return on Assets ? |
0.26%
+20.1% QoQ
|
-0.57% |
0.84%
-2.3% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
4.99%
+4.7% YoY
-1.4% QoQ
|
+1.13% |
3.86%
+2.8% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
Top 10.7% in tier |
| Efficiency Ratio ? |
91.49%
-8.1% YoY
-2.4% QoQ
|
+3.14% |
88.34%
+0.3% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
2.90%
+46.2% YoY
+25.0% QoQ
|
+1.52% |
1.37%
+33.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.9% in tier |
| Loan-to-Deposit Ratio ? |
67.93%
-0.3% YoY
-3.2% QoQ
|
+3.71% |
64.22%
-0.7% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
51.87%
-1.4% YoY
-2.1% QoQ
|
+28.15% |
23.71%
+0.3% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 2.8% in tier |
| Nonperforming Asset Ratio ? |
2.01%
+31.1% YoY
+14.5% QoQ
|
+1.22% |
0.79%
+28.2% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.9% in tier |
| Tier 1 Capital Ratio ? |
21.63%
+2.4% YoY
+3.5% QoQ
|
-5.06% |
26.68%
+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%
+1.9% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Top 13.9% in tier |
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
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.