MINERS EXCHANGE BANK

COEBURN, VA | Micro | Est. July 8, 1982, midnight | FDIC #23989 | RSSD #711520 | FED
Latest Report: 2025-12-31

MINERS EXCHANGE BANK is amn micro FDIC-insured commercial bank headquartered in COEBURN, VA, established in July 8, 1982, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $82M. Profitability stands at 0.32% ROA and 2.65% ROE, with a net interest margin of 5.23%. The bank's CET1 capital ratio is 20.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.29% and a Texas Ratio of 14.08%. FDIC Certificate #23989.

Assets

$95M

Deposits

$82M

Loans

$58M

Equity

$11M

Profitability

Return on Assets (ROA) 0.32%
Return on Equity (ROE) 2.65%
Net Interest Margin (NIM) 5.23%
Yield on Assets 6.13%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 2.29%
Net Charge-Off Ratio 0.07%
Texas Ratio 14.08%
NPA Ratio 1.76%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 20.90%
Tier 1 Capital 20.90%
Total Capital Ratio 21.95%
Leverage Ratio 12.93%
Loan-to-Deposit 70.95%

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