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Community Bankers' Bank

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

Midlothian, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits -10.1% year over year ($94.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.22%.
  • Efficiency ratio 94.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.40% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 23 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

  • + Revenue Diversifier: Top 37.7% in tier
  • + Credit Quality Leader: Top 39.6% in tier
  • + Non-Interest-Bearing Deposit Share 33.22% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.9% in tier
  • - Capital Constraint: Bottom 43.9% in tier
  • - Return on Assets 1.10% below tier average
  • - Net Interest Margin 1.14% below tier average
  • - Efficiency Ratio 29.84% above tier average
Get updates when Community Bankers' 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 ? $139.4M
+0.6% YoY -9.3% QoQ
-$247.1M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
Bottom 11.1% in tier
Total Loans ? $89.6M
-5.0% YoY +2.5% QoQ
-$168.7M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
Bottom 14.8% in tier
Total Deposits ? $94.9M
-10.1% YoY -0.2% QoQ
-$231.8M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
Bottom 4.2% in tier
Return on Assets ? 0.22%
+65.2% YoY +94.6% QoQ
-1.10% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Bottom 5.9% in tier
Net Interest Margin ? 2.85%
-1.5% YoY +2.9% QoQ
-1.14% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Bottom 6.6% in tier
Efficiency Ratio ? 94.31%
-2.3% YoY -2.9% QoQ
+29.84% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
Bottom 3.4% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 94.40%
+5.6% YoY +2.6% QoQ
+16.45% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 55.25%
+10.6% YoY +5.9% QoQ
+33.22% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
Top 1.0% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 15.43%
+9.8% YoY -0.9% QoQ
-0.48% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.87%
+7.8% YoY +148.2% QoQ
+0.31% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 4.2% in tier

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 55.2%
+5.3pp YoY
+3.1pp QoQ
 +33.1pp 22.1% 26.2% 22.2% 99%
Brokered Deposits 25.0%
-9.5pp YoY
-3.1pp QoQ
 +17.1pp 7.9% 8.5% 8.5% 94%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 2.5%
-0.3pp YoY
-0.1pp QoQ
 -9.0pp 11.6% 11.0% 12.5% 8%
CRE 81.0%
+2.3pp YoY
+1.4pp QoQ
 +41.5pp 39.5% 46.9% 41.4% 98%
1-4 Family 6.6%
-1.1pp YoY
-1.3pp QoQ
 -26.0pp 32.6% 32.6% 31.3% 7%
Consumer 0.8%
-0.1pp YoY
-0.1pp QoQ
 -3.3pp 4.1% 8.0% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 15.4%
+1.4pp YoY
-0.1pp QoQ
 +3.3pp 12.2% 12.2% 12.6% 89%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 19
0 YoY
0 QoQ
 -40 58 1,956 482 9%
Assets per Employee ($) $7.3M
+0.6% YoY
-9.3% QoQ
 -$180K $7.5M $9.9M $8.8M 58%
Branch Count 1
0 YoY
0 QoQ
 -4 4 28 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 9.47x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 1.6%
+0.6pp YoY
+0.8pp QoQ
 -10.6pp 12.2% 12.0% 11.6% 5%
Cost of Funds (YTD) 1.8%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 61%
Net Income ($, YTD) $155,000
+64.9% YoY
— QoQ
 -$2.4M $2.6M $137.1M $40.4M 5%

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 (2)

Revenue Diversifier

growth
#250 of 661 • Top 37.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.87%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.22%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#262 of 659 • Top 39.6% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#28 of 691 • Bottom 3.9% 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: 94.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#48 of 107 • Bottom 43.9% 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: 94.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.43%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
28
Non-Interest-Bearing Deposit Share
funding
Value: 55.25%
Peer Median: 22.03%
#28 of 2643 Top 1.0% in $100M-$1B
111
Non-Interest Income / Assets
revenue_mix
Value: 0.87%
Peer Median: 0.57%
#111 of 2643 Top 4.2% in $100M-$1B

Top Weaknesses (7 metrics)

2554
Efficiency Ratio
profitability
Value: 94.31%
Peer Median: 64.48%
#2554 of 2643 Bottom 3.4% in $100M-$1B
2534
Total Deposits
size
Value: $94.94M
Peer Median: $326.73M
#2534 of 2643 Bottom 4.2% in $100M-$1B
2488
Return on Assets
profitability
Value: 0.22%
Peer Median: 1.32%
#2488 of 2643 Bottom 5.9% in $100M-$1B
2469
Net Interest Margin
profitability
Value: 2.85%
Peer Median: 3.99%
#2469 of 2643 Bottom 6.6% in $100M-$1B
2350
Total Assets
size
Value: $139.43M
Peer Median: $386.57M
#2350 of 2643 Bottom 11.1% in $100M-$1B
2254
Total Loans
size
Value: $89.62M
Peer Median: $258.35M
#2254 of 2643 Bottom 14.8% in $100M-$1B
2188
Loan-to-Deposit Ratio
liquidity
Value: 94.40%
Peer Median: 77.95%
#2188 of 2643 Bottom 17.3% in $100M-$1B
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