BlastPoint's Banking Scorecard
Miners Exchange Bank
Micro
Specialty: Other
VA
FDIC cert 23989
Designations: ✓ Community bank
Coeburn, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Miners Exchange Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above tier
- + Non-Interest-Bearing Deposit Share 30.59% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.79% above tier
- - Nonperforming Asset Ratio 1.30% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.2M
+1.3% YoY
+3.8% QoQ
|
-$122.3M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$57.7M
+3.3% YoY
+2.0% QoQ
|
-$81.5M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$82.2M
+0.4% YoY
+4.2% QoQ
|
-$101.5M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.25%
+58.5% YoY
+8.7% QoQ
|
-0.83% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
5.06%
+3.1% YoY
+1.7% QoQ
|
+1.21% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
93.52%
-1.6% YoY
-0.7% QoQ
|
+25.79% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
2.31%
+39.1% YoY
+5.9% QoQ
|
+1.67% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
70.22%
+2.8% YoY
-2.1% QoQ
|
-4.31% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
52.99%
+0.7% YoY
+3.9% QoQ
|
+30.59% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
1.76%
+33.8% YoY
+7.8% QoQ
|
+1.30% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
20.90%
+0.5% YoY
-2.0% QoQ
|
+12.04% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.63%
-15.2% YoY
+24.7% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.06%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
52.99%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.52%
(Tier avg: 67.73%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 0.45%, National avg: 0.48%)
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 52.99% · Tier avg: 22.39%
92
92th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.90% · Tier avg: 8.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.22% · Tier avg: 74.53%
24
24th pctile
Total Loans
Current: $57.7M · Tier avg: $139.2M
22
22th pctile
Total Deposits
Current: $82.2M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.2M · Tier avg: $217.5M
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
11
11th pctile
Delinquency Rate
Current: 2.31% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
7
7th pctile
Efficiency Ratio
Current: 93.52% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 93.52% · Tier avg: 67.73%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.31% · Tier avg: 0.64%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
21
21th pctile
Total Assets
Current: $95.2M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $82.2M · Tier avg: $183.7M
24
24th pctile
Total Loans
Current: $57.7M · Tier avg: $139.2M
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.22% · Tier avg: 74.53%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.90% · Tier avg: 8.85%
92
92th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 52.99% · Tier avg: 22.39%