BlastPoint's Banking Scorecard
Burke & Herbert Bank & Trust Company
Mid-Market
Specialty: Commercial
VA
FDIC cert 11578
Alexandria, VA
201
banks in Mid-Market tier nationally
2 in VA
View Mid-Market leaderboard (VA) →
Burke & Herbert Bank & Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Mid-Market
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 47% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.9B
+1.3% YoY
+0.4% QoQ
|
-$2.6B |
$10.5B
+2.9% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$5.3B
-5.1% YoY
-3.1% QoQ
|
-$1.8B |
$7.1B
+4.5% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$6.4B
-1.7% YoY
-0.1% QoQ
|
-$2.1B |
$8.5B
+3.0% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.69%
+92.5% YoY
+0.7% QoQ
|
+0.52% |
1.16%
+9.4% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.27%
+2.9% YoY
+0.3% QoQ
|
+0.87% |
3.40%
+7.9% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
48.41%
-23.9% YoY
-0.2% QoQ
|
-8.20% |
56.60%
-3.2% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
1.40%
+103.9% YoY
-13.9% QoQ
|
+0.71% |
0.68%
+12.0% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
82.99%
-3.4% YoY
-3.0% QoQ
|
-2.48% |
85.47%
+1.1% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
20.95%
-1.5% YoY
-1.5% QoQ
|
+0.31% |
20.64%
-0.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.97%
+84.6% YoY
-16.5% QoQ
|
+0.48% |
0.50%
+7.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
14.77%
+11.2% YoY
+4.9% QoQ
|
+1.22% |
13.55%
+1.8% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.58%
+36.7% YoY
+33.3% QoQ
|
-0.38% |
0.96%
+7.1% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#1 of 51 · Top 1% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.69%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (1)
Deposit Outflow
decline
#16 of 33 · Bottom 47% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.40%
84
84th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
80
80th pctile
Efficiency Ratio
Current: 48.41% · Tier avg: 56.60%
78
78th pctile
Tier 1 Capital Ratio
Current: 14.77% · Tier avg: 13.55%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.99% · Tier avg: 85.47%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 20.95% · Tier avg: 20.64%
44
44th pctile
Total Assets
Current: $7.9B · Tier avg: $10.5B
44
44th pctile
Total Loans
Current: $5.3B · Tier avg: $7.1B
44
44th pctile
Total Deposits
Current: $6.4B · Tier avg: $8.5B
39
39th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.96%
16
16th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.68%
Top Weaknesses
13
13th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.68%
16
16th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
39
39th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.96%
44
44th pctile
Total Deposits
Current: $6.4B · Tier avg: $8.5B
44
44th pctile
Total Loans
Current: $5.3B · Tier avg: $7.1B
44
44th pctile
Total Assets
Current: $7.9B · Tier avg: $10.5B
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 20.95% · Tier avg: 20.64%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.99% · Tier avg: 85.47%
78
78th pctile
Tier 1 Capital Ratio
Current: 14.77% · Tier avg: 13.55%
80
80th pctile
Efficiency Ratio
Current: 48.41% · Tier avg: 56.60%
84
84th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
87
87th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.40%