BlastPoint's Banking Scorecard
Community Bankers' Bank
Micro
Specialty: Commercial
VA
FDIC cert 26871
Midlothian, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Community Bankers' Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 27.77% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 1.20% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.90% below tier
- - Efficiency Ratio 28.34% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$128.8M
-10.1% YoY
-4.0% QoQ
|
-$88.7M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$88.3M
-14.4% YoY
-0.4% QoQ
|
-$50.9M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$95.2M
-13.8% YoY
-6.4% QoQ
|
-$88.4M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.18%
+24.3% YoY
+21.3% QoQ
|
-0.90% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.95%
+9.6% YoY
+0.9% QoQ
|
-0.91% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
96.07%
-0.2% YoY
-0.1% QoQ
|
+28.34% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
92.75%
-0.7% YoY
+6.4% QoQ
|
+18.23% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
50.16%
+5.6% YoY
+1.9% QoQ
|
+27.77% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.76%
-3.9% YoY
+39.9% QoQ
|
+1.20% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
50.16%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.18%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
96.07%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.16% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Total Loans
Current: $88.3M · Tier avg: $139.2M
31
31th pctile
Total Assets
Current: $128.8M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $95.2M · Tier avg: $183.7M
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.75% · Tier avg: 74.53%
14
14th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 96.07% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 96.07% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
14
14th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.75% · Tier avg: 74.53%
27
27th pctile
Total Deposits
Current: $95.2M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $128.8M · Tier avg: $217.5M
38
38th pctile
Total Loans
Current: $88.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
97
97th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.56%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.16% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%