BanksMINERS EXCHANGE BANK

MINERS EXCHANGE BANK

COEBURN, VAMicroEst. July 8, 1982, midnightFDIC #23989RSSD #711520FED
Latest · 2025-12-31

MINERS EXCHANGE BANK is an 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%. CET1 capital ratio: 20.90%, well above regulatory minimums. NPL ratio: 2.29% · Texas Ratio: 14.08%. Operates 5 domestic branches.

Assets
$95M
Deposits
$82M
Loans
$58M
Equity
$11M

Profitability

Return on Assets (ROA)0.32%
Return on Equity (ROE)2.65%
Net Interest Margin5.23%
Yield on Assets6.13%
Cost of Funds0.96%

Asset Quality

NPL Ratio2.29%
Net Charge-Off Ratio0.07%
Texas Ratio14.08%
NPA Ratio1.76%
ACL / Loans1.04%

Capital & Liquidity

CET1 Ratio20.90%
Tier 1 Capital20.90%
Total Capital Ratio21.95%
Leverage Ratio12.93%
Loan-to-Deposit70.95%

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