Burke and Herbert Bank and Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Burke and Herbert Bank and Trust Company spends more to run itself than most banks of its size. It reported $11.0 billion in assets at June 30, 2026, up 36.7% from a year earlier. It earns about $0.62 a year on every $100 of assets, about half the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. It also spends about 72 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Earnings fell sharply: quarterly net income of $16 million was 53% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.19% of loans, down from 1.53% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Burke and Herbert Bank and Trust Company reported a CET1 capital ratio of 13.32%, a return on assets of 0.62%, a nonperforming-loan ratio of 1.10% and a Texas ratio of 8.01%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 S Fairfax St, Alexandria, VA 22314
- County
- Alexandria City
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1852
- Former names
- Burke & Herbert Bank & Trust Company (2006)
- Offices
- 106 domestic
- Employees (FTE)
- 1,051
- Domestic deposits
- $9.00B
- Allowance for credit losses
- $94.5M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $10.05B
- Average total loans
- $7.16B
- Average interest-bearing deposits
- $6.43B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11578
- Fed RSSD
- 933621
- SEC CIK
- 1964333 → filed by BURKE & HERBERT FINANCIAL SERVICES CORP.
- Website
- www.burkeandherbertbank.com →
- Parent Holding Company
- BURKE & HERBERT FINANCIAL SERVICES CORP. (RSSD 5756704) · BHRB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David P Boyle | CEO | Chair & CEO |
| Maddy H Charles Iii | PRES | President |
| Kirtan Parikh | CFO | EVP, Chief Financial Officer |
| Carl D Lundblad | COO | EVP, Chief Operating Officer |
| Hintelmann Robert Victor Jr. | CCO | Chief Credit Officer |
| Schmidt Jennifer Palmer | CRO | EVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Burke and Herbert Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Burke and Herbert Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Burke and Herbert Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Burke and Herbert Bank and Trust Company
- LINKBANK, effective May 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.32% | 0.62% | 1.10% | 8.01% | 4.20% |
| Q1 2026 | 15.15% | 1.60% | 1.38% | 8.78% | 4.10% |
| Q4 2025 | 14.77% | 1.71% | 1.31% | 8.41% | 4.21% |
| Q3 2025 | 14.08% | 1.75% | 1.54% | 10.46% | 4.18% |
| Q2 2025 | 13.98% | 1.71% | 1.45% | 10.23% | 4.23% |
| Q1 2025 | 13.52% | 1.58% | 0.73% | 8.03% | 4.18% |
| Q4 2024 | 13.29% | 1.23% | 0.63% | 5.09% | 4.05% |
| Q3 2024 | 13.08% | 1.59% | 0.64% | 4.78% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 105 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Burke & Herbert Bank & Trust Company | Alexandria , VA | 22314 | $1.23B |
| Reston Branch | Reston , VA | 20190 | $219.7M |
| Kingstowne Branch | Alexandria , VA | 22315 | $212.6M |
| Linkbank Branch | Camp Hill , PA | 17011 | $180.3M |
| Sherwood Hall Branch | Alexandria , VA | 22306 | $177.7M |
| Charleston Branch | Charleston , WV | 25301 | $158.5M |
| Summit Community Bank Branch | Moorefield , WV | 26836 | $156.5M |
| Petersburg Branch | Petersburg , WV | 26847 | $155.8M |
| Jubal Early Branch | Winchester , VA | 22601 | $149.0M |
| Sfgidirect.Com Branch | Moorefield , WV | 26836 | $144.5M |
| Fairlington Branch | Alexandria , VA | 22302 | $139.2M |
| Fredericksburg Branch | Fredericksburg , VA | 22401 | $137.4M |
| Reid's Prospect Branch | Woodbridge , VA | 22192 | $136.6M |
| Huntington 2 Branch | Huntington , WV | 25703 | $122.3M |
| Monroe Avenue Branch | Alexandria , VA | 22301 | $119.2M |
| Falls Church Branch | Falls Church , VA | 22046 | $118.6M |
| Cooper Road Branch | Alexandria , VA | 22309 | $116.7M |
| West Union Branch. | West Union , WV | 26456 | $114.8M |
| Springfield Branch | Springfield , VA | 22150 | $110.0M |
| Mullens Br | Mullens , WV | 25882 | $107.8M |
| North Salisbury Branch | Salisbury , MD | 21801 | $106.9M |
| Lancaster Branch Office | Lancaster , PA | 17601 | $105.1M |
| Federal Street Branch | Bluefield , WV | 24701 | $104.6M |
| Barboursville Branch | Barboursville , WV | 25504 | $103.2M |
| Salem Church Branch | Fredericksburg , VA | 22407 | $100.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2026 | M&A | Acquired LINKBANK merger for the acquired bank | SEC |
| May 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2026 | Structure Change | Acquired LINKBANK Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2024 | M&A | Acquired Summit Community Bank, Inc merger for the acquired bank | SEC |
| May 3, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 3, 2024 | Structure Change | Acquired Summit Community Bank, Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Burke and Herbert Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.5% of deposits in VA, rank 9 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 755 applications, 512 loans originated, $176.8M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $3.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 8 complaints in the last 3 full quarters. Raw counts, not adjusted for size
- Period: 2026-Q1 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Burke and Herbert Bank and Trust Company
What are Burke and Herbert Bank and Trust Company's total assets?
As of the Q2 2026 filing, Burke and Herbert Bank and Trust Company reported total assets of $10.98 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Burke and Herbert Bank and Trust Company headquartered?
Burke and Herbert Bank and Trust Company is headquartered in Alexandria, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Burke and Herbert Bank and Trust Company founded?
Burke and Herbert Bank and Trust Company was established in 1852, per the FDIC institution directory.
Is Burke and Herbert Bank and Trust Company FDIC-insured?
Yes. Burke and Herbert Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #11578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Burke and Herbert Bank and Trust Company?
Burke and Herbert Bank and Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Burke and Herbert Bank and Trust Company's CET1 capital ratio?
Burke and Herbert Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 13.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Burke and Herbert Bank and Trust Company operate?
Burke and Herbert Bank and Trust Company operates 106 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Burke and Herbert Bank and Trust Company's Texas Ratio?
Burke and Herbert Bank and Trust Company's Texas Ratio is 8.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Burke and Herbert Bank and Trust Company previously called?
The charter now named Burke and Herbert Bank and Trust Company has also operated as Burke & Herbert Bank & Trust Company (2006), per FDIC structure-change records.
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