BlastPoint's Banking Scorecard
Benchmark Community Bank
Community
Specialty: Commercial
VA
FDIC cert 20484
Kenbridge, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Benchmark Community Bank shows strong momentum with 1 strength and 11.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.00% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+11.7% YoY
+3.6% QoQ
|
-$25.2M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$1.1B
+13.5% YoY
+3.8% QoQ
|
+$147.3M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.2B
+10.9% YoY
+2.9% QoQ
|
+$61.3M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.54%
+14.7% YoY
+0.3% QoQ
|
+0.38% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.66%
+6.7% YoY
+0.6% QoQ
|
+1.00% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
60.62%
-5.3% YoY
+0.7% QoQ
|
-2.01% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.19%
-42.3% YoY
+1.8% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
91.58%
+2.3% YoY
+0.8% QoQ
|
+8.52% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
24.29%
+1.2% YoY
-2.4% QoQ
|
+3.25% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.16%
-48.3% YoY
+0.5% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.32%
+1.8% YoY
-1.9% QoQ
|
+2.08% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.75%
-5.1% YoY
+36.1% QoQ
|
+0.01% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Community
Why this stands out
Current:
4.66%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.58% · Tier avg: 83.06%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.29% · Tier avg: 21.05%
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
54
54th pctile
Efficiency Ratio
Current: 60.62% · Tier avg: 62.63%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.32% · Tier avg: 10.24%
Top Weaknesses
50
50th pctile
Tier 1 Capital Ratio
Current: 12.32% · Tier avg: 10.24%
54
54th pctile
Efficiency Ratio
Current: 60.62% · Tier avg: 62.63%
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.29% · Tier avg: 21.05%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.58% · Tier avg: 83.06%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%