# BENCHMARK COMMUNITY BANK
KENBRIDGE, VA · FDIC certificate 20484 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.41B | |
| Deposits | $1.28B | |
| Loans and leases | $1.14B | |
| Total equity | $133.5M | |
| Loans / deposits | 88.88% (p54 of band) | 87.10% |
| Liquid assets / assets | 14.47% (p20 of band) | |
| Uninsured deposits / deposits | 7.75% (p3 of band) | 30.76% |
| Brokered deposits | 6.08% | |
| Wholesale funding | 6.08% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.80% (p32 of band) | 10.50% |
| Unrealized securities loss / equity | -5.81% (p59 of band) | -7.75% |
| AOCI / equity | -0.27% (p52 of band) | |
| ROA (annualized) | 1.63% (p75 of band) | 1.26% |
| Net interest margin | 4.74% (p92 of band) | 3.70% |
| Efficiency ratio | 59.58% (p53 of band) | |
| Noncurrent loans | 0.17% (p21 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 443.47% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 154.62% (p98 of band) | |
| Auto loans | $4.9M (0.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 231 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | liquid assets <10% |  |
| 2018-12 | 0 |  | liquid assets <10% |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | construction >100% equity |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-20 [Bailey promoted to senior vice president - The Farmville Herald](https://news.google.com/rss/articles/CBMigwFBVV95cUxPb3ZfazE4Q2FtTUhLTWtSejNzY2F0Z1Y1c3BEZW5rcnBTV0lVVDB4Xy1KVTFidHIyQm5oZkM1NkF2dnBZOUp1QU9rOXY3cmpTTzcydTFJVG92bGdId1BzQVdMMFVFWHE0NnB3TGR3RGtDM0o2Uk9VWHhua0xIQnJlYnA5RQ?oc=5) · The Farmville Herald
- 2021-02-22 [Benchmark Community Bank (VA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMijgFBVV95cUxNVEh0Rjc2R2E2V01TWWlDeVlISHRQNk5CbFJKYWtxd211ZlIxajU3Sm1mVkk1TV9sYldwcWUyNXEyQUNjVWFGeF9NT2VyU01OaVNCSHg1SVR3NEI5X1Fpd2FMcTM1RTZMUnpud2NiTnNUbFRWclNWSU9DcXpvNWVjeVZVZ0xfdVI3N01VZ0NR?oc=5) · SmartAsset
- 2016-08-24 [Webb graduates from bankers school - Kenbridge Victoria Dispatch](https://news.google.com/rss/articles/CBMijAFBVV95cUxONjVpeDZMaTVxN0xONmdJT0tkSGV2RFFxeXVacjByaWJzWFJzeFlOdDhGbWFXR3VCUG0yMEVab3dPaWZQS0N6SE1EcFg0SFh2R0pZWXhZQmZ0a2xJbjVVWDNaSmxXUHlJQnRweTFLb3daOWVVYVRxWlY0dHp4SkRFeWpvWl9obGJpeVFKUg?oc=5) · Kenbridge Victoria Dispatch
- 2023-12-01 [Stafford plans to retire from Benchmark Community Bank - The Farmville Herald](https://news.google.com/rss/articles/CBMilgFBVV95cUxQclZ2T19wUXF5OHFFWm9JTGNlOUNlZXRDRlNTTS16QTNhbHo5dkF4anhpNEt1TzFYa2JjRjdQeFQwUEl0Z2tQdHFlNWNOSlZ4aDNFNWo0ZV92ZGV4OUc3MUVseUw5OW5SajVqUzlzUVdoVFJST0owZDNYN1JyY0I3WGRZOXBtbTJyZGotelRBTzdWdGhsTHc?oc=5) · The Farmville Herald
- 2016-08-18 [Benchmark Bank changes staffers in Halifax, South Boston - YourGV.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQY0pCdFRSWWd6eTZrOWJfMnFpaGctRU1PbzZMSkRZaEpLZ2pGb1F0SzVRSHpaX3NUSHJEanZGejk1Z0wwU0N0bktPNjkzektOSC1Zc3FEb3NOMFdFWmxBZnp1aDNSUkpWX1djVEJRV2V5bmRQeHQzMXJNZFE1OWFBenhIZTI5aFp5eThhaENISHBET2xFUWgzaUJIazFkUkdoSEhSaGNYQW84Q0NuMGJ3bjdJNk9YblFqcmlmNzByZFNDbmozRHEwNEV6VjE2RlRyOVgzTEVpV3VvM3h1Q2c0NjRxMmFBQWc?oc=5) · YourGV.com
- 2026-05-05 [Benchmark named Business of the Year - The Farmville Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTE9Ybjc0dlBKdmphUUs1bkEzeXVreXlKeGZqeU5odnZVaUUyWktqU01xRFpRdmxnU1N4Nk1fWVlXa2VXWkpKdERub0hYZ0pwWmpJOHU2eTFMMHBrb2NEY0d2QmpyZXc5MkZsemVuTlMteDZPMTlaZUFfd1FMM2Mtdw?oc=5) · The Farmville Herald
- 2026-05-30 [Stafford speaks at commencement - Kenbridge Victoria Dispatch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdE9NMUhQS0FFMDlxcmxFdlhZQWN1LXJTQ0hDNDN5S21rcGhCTFNOdWw3dE9XYkRBSi1ndGY4RFZib2p1em9EYUtZcEhaNDlKWVV5bkxuYkttSEJDeTJ4OUdDWFRjUUxFU01obUNhcUtJTmNyRXlqeWx6S1lObUNycGg2MS1MQkMz?oc=5) · Kenbridge Victoria Dispatch
- 2026-06-14 [Sellers wins Late Model race, DeCarlo pockets Hornets bounty, Layne ties Pure Stock record - YourGV.com](https://news.google.com/rss/articles/CBMihgJBVV95cUxOS0R6b2ZPd2J3YlRIdFJMMlQ3d3VCLWw1R0JQS2xlak5RTGZtWnVnWEk4R2pha0xIMnJYTXJiZE1DTUZYM3dJcmc0blRYbE9UU2tINlM3Vkp4S1VwbHFRSWRTVWdTSWdQVWNBVGlHT3Jya1MtRXZTTnM5aVN6TWF1UkwwMTlnWmhwUmZNOGhoQlNjNTM5MERFdmlid3VEQkFFZXFvR2ZkV2tSOUhqZjVjXzZVcVUwUjJlbWxacUZuRGNiMUw0dEZNWHFnZ2pia1ZWZWhPLVJlSFVSMjg3eWEwSzN6UFNUZ3cyR25FZ2Q4dGo0U3E2MWZGQ2ExQVJka19FckZ2MTN3?oc=5) · YourGV.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20484 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "20484", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide