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Movement Bank

$100M-$1B Specialty: Commercial VA FDIC cert 9502

Danville, VA

4 branches across NC · SC · 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 -0.7% year over year ($145.6M on the books).
  • Delinquency rate 0.07%.
  • Return on assets 0.96%.
  • Efficiency ratio 82.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.59% 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) →

Movement 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

  • + Credit Quality Leader: Top 10.2% in tier
  • + Revenue Diversifier: Top 14.8% in tier
  • + Non-Interest-Bearing Deposit Share 14.98% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 46.3% in tier
  • - ROA 0.37% below tier average
  • - Net Interest Margin 0.31% below tier average
  • - Efficiency Ratio 18.48% above tier average
Get updates when Movement 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 ? $165.5M
+1.4% YoY +1.0% QoQ
-$221.1M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $108.6M
-10.4% YoY -4.7% QoQ
-$149.8M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $145.6M
-0.7% YoY +0.9% QoQ
-$181.2M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 0.96%
+54.0% QoQ
-0.37% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 3.67%
+9.2% YoY +2.7% QoQ
-0.31% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 82.95%
-19.4% YoY -5.2% QoQ
+18.48% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
Bottom 10.9% in tier
Delinquency Rate ? 0.07%
-5.2% YoY -88.9% QoQ
-0.85% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 74.59%
-9.8% YoY -5.5% QoQ
-3.36% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 37.01%
+1.5% YoY +6.1% QoQ
+14.98% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
Top 7.0% in tier
Nonperforming Asset Ratio ? 0.04%
-16.3% YoY -93.3% QoQ
-0.62% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 16.95%
+32.1% YoY +6.2% QoQ
+1.04% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 1.83%
+168.3% YoY +146.1% QoQ
+1.27% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 1.8% 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 37.0%
+0.5pp YoY
+2.1pp QoQ
 +14.9pp 22.1% 26.2% 22.2% 93%
Brokered Deposits 21.8%
-2.2pp YoY
-0.5pp QoQ
 +13.9pp 7.9% 8.5% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 5.1%
+0.7pp YoY
+0.5pp QoQ
 -6.4pp 11.6% 11.0% 12.5% 21%
CRE 61.9%
-0.7pp YoY
-1.2pp QoQ
 +22.4pp 39.5% 46.9% 41.4% 87%
1-4 Family 32.8%
0.0pp YoY
+0.7pp QoQ
 +0.1pp 32.6% 32.6% 31.3% 57%
Consumer 0.2%
+0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 8.0% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 16.9%
+4.1pp YoY
+1.0pp QoQ
 -1.9pp 18.8% 17.2% 19.7% 64%
Leverage Ratio 11.1%
+1.8pp YoY
+0.7pp QoQ
 -1.0pp 12.2% 12.2% 12.6% 52%
Total Capital Ratio 17.8%
+4.1pp YoY
+1.0pp QoQ
 -2.1pp 19.9% 18.3% 20.8% 62%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 36
-11 (-23.4%) YoY
-3 (-7.7%) QoQ
 -23 58 1,956 482 36%
Assets per Employee ($) $4.6M
+32.4% YoY
+9.4% QoQ
 -$2.9M $7.5M $9.9M $8.8M 9%
Branch Count 4
0 YoY
0 QoQ
 -1 4 28 18 42%

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 0.1%
0.0pp YoY
-0.5pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 14%
Allowance Coverage 12.26x
+13.6% YoY
+850.1% QoQ
 -11.89x 24.15x 9.47x 20.23x 84%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 8.6%
+9.4pp YoY
+3.0pp QoQ
 -3.6pp 12.2% 12.0% 11.6% 28%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
-0.1pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 59%
Net Income ($, YTD) $771,000
+1385.0% YoY
— QoQ
 -$1.8M $2.6M $137.1M $40.4M 19%

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)

Credit Quality Leader

growth
#68 of 659 • Top 10.2% in tier

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

Why this signature
Delinquency Rate: 0.07%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Revenue Diversifier

growth
#99 of 661 • Top 14.8% 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: 1.83%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.96%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Flatlined Growth

risk
#246 of 529 • Bottom 46.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.96%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 (5 metrics)

49
Non-Interest Income / Assets
revenue_mix
Value: 1.83%
Peer Median: 0.57%
#49 of 2643 Top 1.8% in $100M-$1B
187
Non-Interest-Bearing Deposit Share
funding
Value: 37.01%
Peer Median: 22.03%
#187 of 2643 Top 7.0% in $100M-$1B
543
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#543 of 2643 Top 20.5% in $100M-$1B
599
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.92%
#599 of 2633 Top 22.7% in $100M-$1B
618
Tier 1 Capital Ratio
capital
Value: 16.95%
Peer Median: 15.91%
#618 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (4 metrics)

2356
Efficiency Ratio
profitability
Value: 82.95%
Peer Median: 64.48%
#2356 of 2643 Bottom 10.9% in $100M-$1B
2163
Total Assets
size
Value: $165.48M
Peer Median: $386.57M
#2163 of 2643 Bottom 18.2% in $100M-$1B
2112
Total Deposits
size
Value: $145.56M
Peer Median: $326.73M
#2112 of 2643 Bottom 20.1% in $100M-$1B
2070
Total Loans
size
Value: $108.57M
Peer Median: $258.35M
#2070 of 2643 Bottom 21.7% in $100M-$1B
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