Miners Exchange Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Miners Exchange Bank's strongest measure in Q2 2026 is net interest margin (5.06% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($2.1M vs. $6.4M).
| Measure | Miners Exchange Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.51% | 1.15% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.06% | 3.92% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 107.75% | 65.82% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.1M | $6.4M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.31% | 73.33% | Context |
What it means for lending operations
Its efficiency ratio of 107.75% is above the 65.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Integrity Bank Plus Wabasso, MN · $93M
- Triumph State Bank Trimont, MN · $93M
- MassMutual Private Wealth & Trust, FSB Springfield, MA · $94M
- Ladysmith Federal Savings and Loan Association Ladysmith, WI · $93M
- The Ottoville Bank Company Ottoville, OH · $94M
- Williamsville State Bank & Trust Williamsville, IL · $94M
Questions about Miners Exchange Bank
How big is Miners Exchange Bank?
Miners Exchange Bank, established in 1982, is headquartered in Coeburn, VA. It reported $93M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Miners Exchange Bank's return on assets?
-0.51% annualized in Q2 2026, against a 1.15% median for 999 U.S. banks with half to twice its assets, ahead of 4% of them.
What is Miners Exchange Bank's efficiency ratio?
107.75% in Q2 2026: it spent about 108 cents in noninterest expense for each dollar of revenue. The peer median is 65.82%, and lower is better.
Is Miners Exchange Bank growing its loans?
Net loans grew 0.4% over the year to Q2 2026, while deposits shrank 0.7%.
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 U.S. 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.