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Miners Exchange Bank
Coeburn, VA · FDIC Certificate #23989 · Chartered 07/0
Total assets
$93.45M
Total deposits
$81.02M
Total equity
$10.82M
Net loans
$56.16M
Branches (offices)
5
Net income (YTD)
-$242.00K
Rank: #3,725 of 4,213 U.S. banks by assets · #53 of 56 in Virginia. Assets changed -0.6% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.51% |
| Return on equity | -4.38% |
| Net interest margin (YTD) | 5.06% |
| Equity to assets | 11.58% |
| Tier 1 leverage ratio | 12.40% |
| Uninsured deposits (share of deposits) | 9.0% |
| Noncurrent loans (share of loans) | 3.16% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 69.3% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $47.63M | 84.8% | |
| Commercial & industrial | $2.72M | 4.8% | |
| Consumer / individual | $6.02M | 10.7% | |
| Construction & development | $1.86M | 3.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $94.55M | $83.18M | $99.00K | $9.77M |
| Jun 2023 | $92.84M | $82.13M | $215.00K | $9.37M |
| Jun 2024 | $92.73M | $81.09M | $123.00K | $10.02M |
| Jun 2025 | $93.99M | $81.56M | $88.00K | $10.78M |
| Jun 2026 | $93.45M | $81.02M | -$242.00K | $10.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $81.02M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $81.02M.
Similar-sized banks
Massmutual Private Wealth & Trust, FSB ($93.70M) · Integrity Bank Plus ($93.36M)
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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