The Bank of Charlotte County (FDIC certificate #14491) is based in Phenix, Virginia. Its Q2 2026 call report shows $222.8M in total assets and $194.5M in deposits and 6 offices.
The Bank of Charlotte County has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 5th. Earnings contributes the most (100/100, 3.44%); capital cushion contributes the least (78/100, 12.79%).
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
From Q2 2025 to Q2 2026, the score rose 10 points (77 → 87), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 81 |
| Q4 2024 | 77 |
| Q1 2025 | 76 |
| Q2 2025 | 77 |
| Q3 2025 | 73 |
| Q4 2025 | 68 |
| Q1 2026 | 72 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.30% |
| Q3 2024 | 12.28% |
| Q4 2024 | 11.65% |
| Q1 2025 | 11.77% |
| Q2 2025 | 12.08% |
| Q3 2025 | 11.85% |
| Q4 2025 | 10.99% |
| Q1 2026 | 11.33% |
| Q2 2026 | 12.79% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.81% |
| Q4 2025 | 1.16% |
| Q1 2026 | 0.97% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.32% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.42% |
| Q2 2026 | 3.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $222.8M | 12.79% | 0.33% | 3.44% | 71.3% |
| Q1 2026 | 72 | $224.2M | 11.33% | 0.97% | 1.42% | 69.9% |
| Q4 2025 | 68 | $228.1M | 10.99% | 1.16% | 1.24% | 69.6% |
| Q3 2025 | 73 | $216.3M | 11.85% | 0.81% | 1.27% | 77.4% |
| Q2 2025 | 77 | $207.7M | 12.08% | 0.49% | 1.29% | 82.9% |
| Q1 2025 | 76 | $208.1M | 11.77% | 0.43% | 1.32% | 83.4% |
| Q4 2024 | 77 | $203.3M | 11.65% | 0.22% | 1.30% | 86.1% |
| Q3 2024 | 81 | $200.8M | 12.28% | 0.03% | 1.34% | 87.8% |
| Q2 2024 | 81 | $194.5M | 12.30% | 0.09% | 1.36% | 89.7% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| CornerStone BankBank Lexington, VA | 66 out of 100, Moderate | $232.8M | 10.9% | 0.87% | vs |
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Highlands Community BankBank Covington, VA | 57 out of 100, Moderate | $188.9M | 12.6% | 2.51% | vs |
| Lee Bank and Trust CompanyBank Pennington Gap, VA | 82 out of 100, Strong | $257.3M | 14.1% | 1.37% | vs |
| Movement BankBank Danville, VA | 74 out of 100, Strong | $165.5M | 11.1% | 0.07% | vs |
| Community Bankers' BankBank Midlothian, VA | 79 out of 100, Strong | $139.4M | 15.4% | 0.00% | vs |
Deposit insurance
Is my money safe at The Bank of Charlotte County?
Yes. The Bank of Charlotte County is an FDIC-insured institution (FDIC certificate #14491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.1% of deposits ($42.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.25% (benchmark: 10%).
6 locations
Branches
The Bank of Charlotte County lists 6 offices in 6 cities. Most locations:
- Brookneal, VA (1)
- Charlotte Court House, VA (1)
- Drakes Branch, VA (1)
- Keysville, VA (1)
- Phenix, VA (1)
- South Hill, VA (1)
HMDA 2025
Mortgage lending
In 2025, The Bank of Charlotte County reported 76 home-loan applications under HMDA (LEI 54930064WT3GIUWM7H79): 58 originated ($11,190,000 total), 12 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.4%, 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
- The Bank of Charlotte County
- Former names
- The Bank of Phenix, Inc.
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 14491
- RSSD ID
- 667524
- Primary regulator
- FED
- Holding company
- Bcc Bankshares Inc
- Established
- November 12, 1912
- Headquarters
- 101 Berkley Street, Phenix, VA 23959
- Website
- www.bankofcharlotte.com
- Employees
- 48
Quick answers
The Bank of Charlotte County: common questions
Is The Bank of Charlotte County FDIC insured?
Yes. The Bank of Charlotte County is an FDIC-insured institution (FDIC certificate #14491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Charlotte County's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Bank of Charlotte County ever failed?
There is no failure record for FDIC certificate #14491 in the FDIC failed bank list.
How many branches does The Bank of Charlotte County have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Phenix
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank and Trust CompanyBank Blackstone, VA | 97 out of 100, Very strong | $577.6M | 15.4% | 0.23% | vs |
| Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA | 81 out of 100, Strong | $31.4M | 12.1% | 0.28% | vs |
| The Farmers Bank of AppomattoxBank Appomattox, VA | 76 out of 100, Strong | $374.6M | 12.6% | 0.59% | vs |
| Carter Bank & TrustBank Martinsville, VA | 76 out of 100, Strong | $4.8B | 11.7% | 1.01% | vs |
| Benchmark Community BankBank Kenbridge, VA | 75 out of 100, Strong | $1.4B | 9.8% | 0.17% | vs |
| Beacon Credit Union, IncorporatedCredit union Lynchburg, VA | 74 out of 100, Strong | $391.6M | 11.6% | 0.24% | vs |