Community Bankers' Bank: how it compares with its peers
Against 9 VA banks with half to twice its assets, Community Bankers' Bank's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $5.8M peer median). Its weakest relative measure is net interest margin (2.85% vs. 3.80%).
| Measure | Community Bankers' Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.22% | 1.20% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.85% | 3.80% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 94.31% | 65.38% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $5.8M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.40% | 69.31% | Context |
What it means for lending operations
Its efficiency ratio of 94.31% is above the 65.38% 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
- Movement Bank Danville, VA · $165M
- Integrity Bank for Business Virginia Beach, VA · $112M
- Miners Exchange Bank Coeburn, VA · $93M
- Farmers & Merchants Bank of Craig County New Castle, VA · $93M
- Highlands Community Bank Covington, VA · $189M
- Farmers and Miners Bank Pennington Gap, VA · $193M
Questions about Community Bankers' Bank
How big is Community Bankers' Bank?
Community Bankers' Bank, established in 1987, is headquartered in Midlothian, VA. It reported $139M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Bankers' Bank's return on assets?
0.22% annualized in Q2 2026, against a 1.20% median for 9 VA banks with half to twice its assets, ahead of 11% of them.
What is Community Bankers' Bank's efficiency ratio?
94.31% in Q2 2026: it spent about 94 cents in noninterest expense for each dollar of revenue. The peer median is 65.38%, and lower is better.
Is Community Bankers' Bank growing its loans?
Net loans shrank 5.0% over the year to Q2 2026, while deposits shrank 10.1%.
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.