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Community Bankers' Bank

$100M-$1B Specialty: Commercial VA FDIC cert 26871

Midlothian, VA

2664 banks in the $100M-$1B peer group nationally 22 in VA
View $100M-$1B leaderboard (VA) →

Community Bankers' Bank has 4 strengths but faces 5 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

  • + Credit Quality Leader: Top 42.9% in tier
  • + Non-Interest-Bearing Deposit Share 30.16% above tier average
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + Non-Interest Income / Assets 0.07% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.5% in tier
  • - Capital Constraint: Bottom 39.8% in tier
  • - Return on Assets 1.16% below tier average
  • - Net Interest Margin 1.16% below tier average
  • - Efficiency Ratio 31.81% above tier average
Get updates when Community Bankers' Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $153.7M
+9.0% YoY +19.4% QoQ
-$232.4M $386.1M
+0.5% YoY
$17.9B
+25.7% YoY
$6.2B
+9.1% YoY
15%
Total Loans ? $87.5M
-12.5% YoY -1.0% QoQ
-$168.2M $255.7M
+1.1% YoY
$10.6B
+27.9% YoY
$3.2B
+10.8% YoY
Bottom 14.6% in tier
Total Deposits ? $95.1M
-12.0% YoY -0.1% QoQ
-$232.9M $328.0M
+0.1% YoY
$14.1B
+22.4% YoY
$4.8B
+8.2% YoY
Bottom 4.1% in tier
Return on Assets ? 0.11%
-38.1% YoY -37.1% QoQ
-1.16% 1.27%
+12.9% YoY
1.15%
+53.9% YoY
1.23%
+13.4% YoY
Bottom 4.9% in tier
Net Interest Margin ? 2.77%
-3.5% YoY -6.1% QoQ
-1.16% 3.93%
+6.0% YoY
3.81%
+7.1% YoY
3.89%
+5.7% YoY
Bottom 6.4% in tier
Efficiency Ratio ? 97.10%
+2.0% YoY +1.1% QoQ
+31.81% 65.29%
-4.5% YoY
65.58%
-7.6% YoY
66.95%
-4.1% YoY
Bottom 3.2% in tier
Delinquency Rate ? 0.00% -0.89% 0.89%
+18.8% YoY
0.77%
+12.4% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 91.99%
-0.6% YoY -0.8% QoQ
+15.35% 76.64%
+0.8% YoY
79.34%
+0.5% YoY
76.70%
+0.9% YoY
20%
Non-Interest-Bearing Deposit Share ? 52.18%
+12.1% YoY +4.0% QoQ
+30.16% 22.02%
-1.0% YoY
25.27%
-0.4% YoY
22.01%
-1.2% YoY
Top 1.3% in tier
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
0.55%
+12.2% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 15.57%
+11.8% YoY +2.0% QoQ
-0.26% 15.83%
+1.5% YoY
16.28%
+2.7% YoY
17.06%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.35%
-18.1% YoY -80.0% QoQ
+0.07% 0.28%
+9.3% YoY
0.18%
+27.1% YoY
0.32%
+4.1% YoY
Top 5.3% in tier

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 (1)

Credit Quality Leader

growth
#286 of 664 • Top 42.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#4 of 643 • Bottom 0.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.99%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk
#44 of 108 • Bottom 39.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 91.99%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 15.57%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ | QoQ rank declining

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
36
Non-Interest-Bearing Deposit Share
funding
Value: 52.18%
Peer Median: 22.02%
#36 of 2664 Top 1.3% in $100M-$1B
142
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.28%
#142 of 2664 Top 5.3% in $100M-$1B

Top Weaknesses (7 metrics)

2580
Efficiency Ratio
profitability
Value: 97.10%
Peer Median: 65.29%
#2580 of 2664 Bottom 3.2% in $100M-$1B
2555
Total Deposits
size
Value: $95.09M
Peer Median: $327.97M
#2555 of 2664 Bottom 4.1% in $100M-$1B
2534
Return on Assets
profitability
Value: 0.11%
Peer Median: 1.27%
#2534 of 2664 Bottom 4.9% in $100M-$1B
2495
Net Interest Margin
profitability
Value: 2.77%
Peer Median: 3.93%
#2495 of 2664 Bottom 6.4% in $100M-$1B
2275
Total Loans
size
Value: $87.47M
Peer Median: $255.72M
#2275 of 2664 Bottom 14.6% in $100M-$1B
2260
Total Assets
size
Value: $153.72M
Peer Median: $386.08M
#2260 of 2664 Bottom 15.2% in $100M-$1B
2121
Loan-to-Deposit Ratio
liquidity
Value: 91.99%
Peer Median: 76.64%
#2121 of 2664 Bottom 20.4% in $100M-$1B
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