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Benchmark Community Bank
Kenbridge, VA · FDIC Certificate #20484 · Chartered 09/0
Total assets
$1.41B
Total deposits
$1.28B
Total equity
$133.51M
Net loans
$1.13B
Branches (offices)
18
Net income (YTD)
$11.33M
Rank: #784 of 4,213 U.S. banks by assets · #23 of 56 in Virginia. Assets changed 9.3% and deposits 9.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 17.45% |
| Net interest margin (YTD) | 4.74% |
| Equity to assets | 9.44% |
| Tier 1 leverage ratio | 9.80% |
| Uninsured deposits (share of deposits) | 7.8% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 93.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.06B | 93.7% | |
| Commercial & industrial | $54.51M | 4.8% | |
| Consumer / individual | $13.84M | 1.2% | |
| Construction & development | $206.44M | 18.2% | |
| Agricultural | $543.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.06B | $972.03M | $5.32M | $82.73M |
| Jun 2023 | $1.12B | $1.02B | $8.48M | $94.46M |
| Jun 2024 | $1.20B | $1.09B | $6.99M | $104.01M |
| Jun 2025 | $1.29B | $1.17B | $9.42M | $116.88M |
| Jun 2026 | $1.41B | $1.28B | $11.33M | $133.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.13B | 14 |
| North Carolina | $145.05M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.28B.
Similar-sized banks
Grove Bank & Trust ($1.41B) · Merrimack County Savings Bank ($1.41B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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