Burke & Herbert Bank & Trust Company is a state-chartered bank (fed member) headquartered in Alexandria, Virginia, in business for about 174 years. At the end of Q2 2026 it reported $11.0B in total assets and $9.0B in deposits, with 106 offices across 6 states.
Based on its Q2 2026 filing, Burke & Herbert Bank & Trust Company scores 65/100, which we describe as moderate. That is higher than 54% of 132 banks with $10 billion – $100 billion. Among 56 banks headquartered in Virginia, it ranks 44th. Its strongest component is problem-loan coverage (86/100; 6.9%), and its lowest is funding & liquidity (50/100; 88% loans-to-deposits, 35% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.89% |
| Q3 2024 | 10.67% |
| Q4 2024 | 10.88% |
| Q1 2025 | 11.22% |
| Q2 2025 | 11.51% |
| Q3 2025 | 11.40% |
| Q4 2025 | 11.59% |
| Q1 2026 | 11.97% |
| Q2 2026 | 12.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.68% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.19% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.05% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.88% |
| Q1 2025 | 1.59% |
| Q2 2025 | 1.64% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.69% |
| Q1 2026 | 1.60% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $11.0B | 12.26% | 1.19% | 1.06% | 87.9% |
| Q1 2026 | 68 | $7.9B | 11.97% | 1.45% | 1.60% | 84.2% |
| Q4 2025 | 68 | $7.9B | 11.59% | 1.38% | 1.69% | 83.0% |
| Q3 2025 | 65 | $7.9B | 11.40% | 1.60% | 1.67% | 85.6% |
| Q2 2025 | 65 | $8.0B | 11.51% | 1.53% | 1.64% | 86.4% |
| Q1 2025 | 68 | $7.8B | 11.22% | 1.15% | 1.59% | 85.2% |
| Q4 2024 | 66 | $7.8B | 10.88% | 0.68% | 0.88% | 85.9% |
| Q3 2024 | 65 | $7.9B | 10.67% | 0.64% | 0.69% | 83.3% |
| Q2 2024 | 57 | $7.8B | 9.89% | 0.58% | -0.05% | 83.3% |
132 peers · $10 billion – $100 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).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TowneBankBank Portsmouth, VA | 74 out of 100, Strong | $22.6B | 10.0% | 0.22% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| Atlantic Union BankBank Richmond City, VA | 73 out of 100, Strong | $38.0B | 11.4% | 0.50% | vs |
Deposit insurance
Is my money safe at Burke & Herbert Bank & Trust Company?
Yes. Burke & Herbert Bank & Trust Company is an FDIC-insured institution (FDIC certificate #11578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.1% of deposits ($3.2B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.31% (benchmark: 10%).
106 locations
Branches
Burke & Herbert Bank & Trust Company lists 101 offices in 79 cities across 6 states. Most locations:
- Alexandria, VA (8)
- Salisbury, MD (5)
- Fredericksburg, VA (3)
- Bluefield, WV (2)
- Charleston, WV (2)
- Easton, MD (2)
- Falls Church, VA (2)
- Manassas, VA (2)
- Martinsburg, WV (2)
- Princeton, WV (2)
- Reston, VA (2)
- Woodbridge, VA (2)
HMDA 2025
Mortgage lending
In 2025, Burke & Herbert Bank & Trust Company reported 730 home-loan applications under HMDA (LEI 549300OS8C7J7ZWMNL70): 512 originated ($176,830,000 total), 99 denied, and 106 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.9%, 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
- Burke & Herbert Bank & Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11578
- RSSD ID
- 933621
- Primary regulator
- FED
- Holding company
- Burke&herbert Finl Services
- Established
- January 1, 1852
- Headquarters
- 100 S Fairfax St, Alexandria, VA 22314
- Website
- www.burkeandherbertbank.com
- Employees
- 1,051
Quick answers
Burke & Herbert Bank & Trust Company: common questions
Is Burke & Herbert Bank & Trust Company FDIC insured?
Yes. Burke & Herbert Bank & Trust Company is an FDIC-insured institution (FDIC certificate #11578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Burke & Herbert Bank & Trust Company's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Burke & Herbert Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #11578 in the FDIC failed bank list.
How many branches does Burke & Herbert Bank & Trust Company have?
106 offices as of the latest FDIC data, in 6 states.
Nearby
Highest-scoring banks and credit unions with branches near Alexandria
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA | 100 out of 100, Very strong | $370K | 17.4% | 0.00% | vs |
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| None Suffer Lack Federal Credit UnionCredit union Suitland, MD | 99 out of 100, Very strong | $27.9M | 20.1% | 0.12% | vs |
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Christiansted Federal Credit UnionCredit union Christiansted, VI | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% | vs |
| Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT | 95 out of 100, Very strong | $9.7M | 13.7% | 0.00% | vs |