TellerScore

Benchmark Community Bank (FDIC certificate #20484) is based in Kenbridge, Virginia. Its Q2 2026 call report shows $1.4B in total assets and $1.3B in deposits and 19 offices across 2 states.

Based on its Q2 2026 filing, Benchmark Community Bank scores 75/100, which we describe as strong. That is higher than 77% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 23rd. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is capital cushion (48/100; 9.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.80%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings85/100
Return on assets (annualized): 1.63%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 88.9% · 7.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (71 → 75), mostly because the loan quality component improved by 6 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202469
Q4 202470
Q1 202574
Q2 202571
Q3 202574
Q4 202574
Q1 202673
Q2 202675
Tier 1 leverage ratio
5.00%7.40%9.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 20249.34%
Q4 20249.28%
Q1 20259.57%
Q2 20259.49%
Q3 20259.68%
Q4 20259.67%
Q1 20269.65%
Q2 20269.80%
Noncurrent loans
0.16%0.28%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.39%
Q4 20240.33%
Q1 20250.16%
Q2 20250.36%
Q3 20250.19%
Q4 20250.19%
Q1 20260.22%
Q2 20260.17%
Return on assets
1.18%1.40%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.18%
Q3 20241.30%
Q4 20241.34%
Q1 20251.48%
Q2 20251.49%
Q3 20251.54%
Q4 20251.54%
Q1 20261.52%
Q2 20261.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.4B9.80%0.17%1.63%88.9%
Q1 202673$1.4B9.65%0.22%1.52%90.3%
Q4 202574$1.4B9.67%0.19%1.54%91.6%
Q3 202574$1.3B9.68%0.19%1.54%90.8%
Q2 202571$1.3B9.49%0.36%1.49%90.5%
Q1 202574$1.3B9.57%0.16%1.48%87.8%
Q4 202470$1.2B9.28%0.33%1.34%89.5%
Q3 202469$1.2B9.34%0.39%1.30%89.4%
Q2 202469$1.2B9.21%0.27%1.18%87.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.80%
32nd
Total risk-based capital13.87%
53rd
Problem loans0.17%
79th
Net charge-offs0.02%
61st
Return on assets1.63%
76th
Net interest margin4.74%
92nd
Efficiency ratio59.6%
48th
Loans to deposits88.9%
46th
Uninsured deposits7.8%
97th
Loan-loss reserves0.77%
14th
Texas ratio1.6%
76th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs
Skyline National BankBank Independence, VA66 out of 100, Moderate$1.3B8.8%0.34%vs
Virginia National BankBank Charlottesville, VA83 out of 100, Strong$1.6B13.2%0.47%vs
Trustar BankBank Great Falls, VA58 out of 100, Moderate$1.1B9.4%0.39%vs
First National BankBank Altavista, VA73 out of 100, Strong$1.1B8.8%0.19%vs
Chesapeake BankBank Kilmarnock, VA81 out of 100, Strong$1.7B11.2%0.24%vs

Deposit insurance

Is my money safe at Benchmark Community Bank?

Yes. Benchmark Community Bank is an FDIC-insured institution (FDIC certificate #20484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.8% of deposits ($98.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.80%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.87% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Benchmark Community Bank lists 18 offices in 17 cities across 2 states. Most locations:

  • Farmville, VA (2)
  • Blackstone, VA (1)
  • Boydton, VA (1)
  • Chase City, VA (1)
  • Clarksville, VA (1)
  • Crewe, VA (1)
  • Emporia, VA (1)
  • Franklinton, NC (1)
  • Halifax, VA (1)
  • Henderson, NC (1)
  • Kenbridge, VA (1)
  • Lawrenceville, VA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Benchmark Community Bank reported 568 home-loan applications under HMDA (LEI 549300JJ8BTDDILW4H12): 452 originated ($98,220,000 total), 49 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Benchmark Community Bank
Former names
The Lunenburg County Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
20484
RSSD ID
94522
Primary regulator
FED
Holding company
Benchmark Bankshares Inc
Established
September 8, 1971
Headquarters
100 S Broad St, Kenbridge, VA 23944
Employees
231

Quick answers

Benchmark Community Bank: common questions

Is Benchmark Community Bank FDIC insured?

Yes. Benchmark Community Bank is an FDIC-insured institution (FDIC certificate #20484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Benchmark Community Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Benchmark Community Bank ever failed?

There is no failure record for FDIC certificate #20484 in the FDIC failed bank list.

How many branches does Benchmark Community Bank have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Kenbridge

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
The Bank of Charlotte CountyBank Phenix, VA87 out of 100, Very strong$222.8M12.8%0.33%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Brunswick County Teachers Federal Credit UnionCredit union Lawrenceville, VA69 out of 100, Moderate$462K41.6%0.70%vs
First BankBank Strasburg, VA67 out of 100, Moderate$2.1B9.4%0.32%vs
Truist BankBank Charlotte, NC63 out of 100, Moderate$548.3B9.8%0.72%vs