TellerScore

Miners Exchange Bank (FDIC certificate #23989) is based in Coeburn, Virginia. Its Q2 2026 call report shows $93.5M in total assets and $81.0M in deposits and 5 offices.

Miners Exchange Bank has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 546 banks with under $100 million in assets. Among 56 banks headquartered in Virginia, it ranks 55th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 9% uninsured); earnings contributes the least (0/100, -0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.40%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.16%
Earnings0/100
Return on assets (annualized): -0.51%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 69.3% · 9.0% uninsured
Problem-loan coverage64/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.85%

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 fell 21 points (63 → 42), mostly because the loan quality component weakened by 51 points.

TellerScore
425364Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202461
Q1 202557
Q2 202563
Q3 202558
Q4 202556
Q1 202651
Q2 202642
Tier 1 leverage ratio
5.00%9.01%13.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.72%
Q3 202412.99%
Q4 202412.75%
Q1 202512.61%
Q2 202512.73%
Q3 202513.02%
Q4 202512.89%
Q1 202612.72%
Q2 202612.40%
Noncurrent loans
1.48%2.32%3.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.48%
Q3 20241.66%
Q4 20241.65%
Q1 20251.96%
Q2 20251.48%
Q3 20252.16%
Q4 20252.29%
Q1 20262.86%
Q2 20263.16%
Return on assets
-0.51%-0.12%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.24%
Q4 20240.16%
Q1 20250.02%
Q2 20250.19%
Q3 20250.23%
Q4 20250.22%
Q1 20260.26%
Q2 2026-0.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$93.5M12.40%3.16%-0.51%69.3%
Q1 202651$94.9M12.72%2.86%0.26%67.9%
Q4 202556$95.1M12.89%2.29%0.22%70.2%
Q3 202558$91.7M13.02%2.16%0.23%71.7%
Q2 202563$94.0M12.73%1.48%0.19%68.6%
Q1 202557$94.6M12.61%1.96%0.02%68.1%
Q4 202461$94.0M12.75%1.65%0.16%68.3%
Q3 202463$91.5M12.99%1.66%0.24%69.6%
Q2 202464$92.7M12.72%1.48%0.27%67.1%

546 peers · Under $100 million in assets

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 ratio12.40%
46th
Total risk-based capital22.01%
78th
Problem loans3.16%
11th
Net charge-offs0.25%
10th
Return on assets-0.51%
9th
Net interest margin5.06%
89th
Efficiency ratio107.8%
10th
Loans to deposits69.3%
45th
Uninsured deposits9.0%
81st
Loan-loss reserves1.08%
39th
Texas ratio17.9%
9th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants Bank of Craig CountyBank New Castle, VA92 out of 100, Very strong$93.0M16.9%0.00%vs
The Blue Grass Valley BankBank Blue Grass, VA61 out of 100, Moderate$59.9M10.0%1.20%vs
Martinsville First Savings BankBank Martinsville, VA80 out of 100, Strong$32.1M20.5%0.65%vs

Deposit insurance

Is my money safe at Miners Exchange Bank?

Yes. Miners Exchange Bank is an FDIC-insured institution (FDIC certificate #23989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.0% of deposits ($7.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.01% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Miners Exchange Bank lists 5 offices in 5 cities. Most locations:

  • Appalachia, VA (1)
  • Coeburn, VA (1)
  • Norton, VA (1)
  • Saint Paul, VA (1)
  • Wise, VA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Miners Exchange Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
23989
RSSD ID
711520
Primary regulator
FED
Established
July 8, 1982
Headquarters
483 Front St W, Coeburn, VA 24230
Employees
44

Quick answers

Miners Exchange Bank: common questions

Is Miners Exchange Bank FDIC insured?

Yes. Miners Exchange Bank is an FDIC-insured institution (FDIC certificate #23989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Miners Exchange Bank's TellerScore?

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

Has Miners Exchange Bank ever failed?

There is no failure record for FDIC certificate #23989 in the FDIC failed bank list.

How many branches does Miners Exchange Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coeburn

InstitutionScoreAssetsCapitalProblem loansCompare
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
Farmers and Miners BankBank Pennington Gap, VA89 out of 100, Very strong$193.2M13.3%0.32%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Powell Valley National BankBank Jonesville, VA78 out of 100, Strong$516.5M10.7%0.21%vs
United Southeast Federal Credit UnionCredit union Bristol, TN78 out of 100, Strong$256.0M13.5%0.40%vs