| Metric | Miners Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | -0.7% | +2.5% | -3.2 pts |
| Loan growth (YoY) | +0.4% | +2.6% | -2.2 pts |
| ROA | -0.51% | 0.99% | -1.5 pts |
| ROE | -4.4% | 8.1% | -12.5 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.5M | $81.0M | $56.2M | $10.8M | $-242K | -0.51% | 5.06% | 2.18% |
| Q1 2026 | $94.9M | $82.1M | $55.8M | $11.1M | $62K | 0.26% | 4.99% | 2.01% |
| Q4 2025 | $95.1M | $82.2M | $57.7M | $11.2M | $204K | 0.22% | 5.07% | 1.76% |
| Q3 2025 | $91.7M | $78.9M | $56.6M | $11.1M | $163K | 0.23% | 4.98% | 1.63% |
| Q2 2025 | $94.0M | $81.6M | $55.9M | $10.8M | $88K | 0.19% | 4.94% | 1.16% |
| Q1 2025 | $94.6M | $82.4M | $56.1M | $10.5M | $5K | 0.02% | 4.77% | 1.54% |
| Q4 2024 | $94.0M | $81.9M | $55.9M | $10.3M | $147K | 0.16% | 4.91% | 1.31% |
| Q3 2024 | $91.5M | $79.2M | $55.1M | $10.6M | $165K | 0.24% | 4.96% | 1.31% |
Loan mix (Q2 2026): real estate $47.6M · commercial $2.7M · consumer $6.0M · securities $14.3M
| Ratio | Miners Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.51% | 0.99% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 8.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.8% | 70.8% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Miners Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Miners Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Miners Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Miners Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Miners Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 1.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
5 branches in 2 counties across 1 state (+0 vs 2025) · $81.0M branch deposits. Biggest market: Wise, VA, ranked 4th with 11.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wise, VA | 4 | $71.3M | 11.76% | 4th |
| Norton (City), VA | 1 | $9.7M | 3.69% | 5th |
Virginia: 149th with 0.02% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5