Benchmark Community Bank: how it compares with its peers
Against 21 VA banks with half to twice its assets, Benchmark Community Bank's strongest measure in Q2 2026 is net interest margin (4.74% vs. a 3.63% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $7.6M).
| Measure | Benchmark Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.19% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.74% | 3.63% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.58% | 61.26% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $7.6M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.88% | 87.94% | Context |
What it means for lending operations
Its efficiency ratio of 59.58% is better than the 61.26% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers & Merchants Bank Timberville, VA · $1.40B
- SKYLINE NATIONAL BANK Independence, VA · $1.33B
- Virginia National Bank Charlottesville, VA · $1.64B
- Trustar Bank Great Falls, VA · $1.14B
- First National Bank Altavista, VA · $1.14B
- Chesapeake Bank Kilmarnock, VA · $1.72B
Questions about Benchmark Community Bank
How big is Benchmark Community Bank?
Benchmark Community Bank, established in 1971, is headquartered in Kenbridge, VA. It reported $1.41B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Benchmark Community Bank's return on assets?
1.63% annualized in Q2 2026, against a 1.19% median for 21 VA banks with half to twice its assets, ahead of 76% of them.
What is Benchmark Community Bank's efficiency ratio?
59.58% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 61.26%, and lower is better.
Is Benchmark Community Bank growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 9.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.