Side-by-side · Q2 2026 data
Benchmark Community Bank vs Bank of the James
Metric by metric
| Measure | Benchmark Community Bank | Bank of the James |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 48 (stronger) | 44 |
| Loan quality | 94 | 95 (stronger) |
| Earnings | 85 (stronger) | 60 |
| Funding & liquidity | 71 (stronger) | 69 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 77th | 53rd |
| Total assets | $1.4B | $1.0B |
| Deposits / shares | $1.3B | $938.1M |
| Capital ratio | 9.80% (stronger) | 9.38% |
| Problem loans | 0.17% | 0.16% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 1.63% (stronger) | 1.01% |
| Loans ÷ deposits | 88.9% | 73.7% (stronger) |
| Uninsured deposits | 7.8% (stronger) | 30.6% |
| Offices | 18 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Benchmark Community Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Benchmark Community Bank leads on 5 and Bank of the James on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.