Benchmark Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Benchmark Community Bank is an FDIC-insured commercial bank headquartered in Kenbridge, VA, established in 1971 (FDIC certificate 20484), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.41B, up 9.3% from Q2 2025, the 23rd largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 13.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20484
- Headquarters
- Kenbridge, VA
- Established
- 1971
- Total assets, Q2 2026
- $1.41B
- Assets vs Q2 2025
- +9.3%
- CET1 ratio, Q2 2026
- 13.02%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 051402482
- Holding company
- BENCHMARK BANKSHARES, INC.
- Asset rank in state
- 23rd of 56 in Virginia
Benchmark Community Bank earns an unusually wide margin on its lending. Based in Kenbridge, Virginia, it had $1.4 billion in assets at June 30, 2026, up 9.3% from a year earlier. It keeps 4.79 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also holds 8% of its deposits (8%) above the FDIC insurance limit, a small fraction of the median of 30.9% for banks its size.
Net income for the quarter rose 26% from a year earlier, to $6.1 million. Its $224 million non-owner-occupied commercial real estate book is improving, with 0.22% past due or on nonaccrual, down from 1.07% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Benchmark Community Bank reported a CET1 capital ratio of 13.02%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.56%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Benchmark Community Bank is the 23rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $1.41B, loans fell 0.8% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.2% of total loans, followed by non-owner-occupied commercial real estate loans at 19.6%. Its 18 offices in the FDIC Summary of Deposits are in 16 cities across 2 states; its Farmville 2 offices book 15% of its branch deposits. By the capital ratios in its Q2 2026 call report, Benchmark Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Broad St, Kenbridge, VA 23944
- County
- Lunenburg
- 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
- —
- Call Report form
- FFIEC 051
- Established
- September 8, 1971
- Former names
- The Lunenburg County Bank (1974-1989)
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 231
- Domestic deposits
- $1.28B
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $1.39B
- Average total loans
- $1.15B
- Average interest-bearing deposits
- $949.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 8, 1971
- FDIC Cert
- 20484
- Fed RSSD
- 94522
- SEC CIK
- 804563 → filed by BENCHMARK BANKSHARES, INC.
- Website
- www.BCBforlife.bank →
- Parent Holding Company
- BENCHMARK BANKSHARES, INC. (RSSD 1141441) · BMBN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ben L Watson Iii | PRES | President |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Benchmark Community Bank's total assets ranged from $1.10B (Q3 2023) to $1.41B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.41B total assets against $1.29B; $1.28B total liabilities against $1.18B.
$1.13B net loans and leases against $1.06B; $1.28B total deposits against $1.17B.
$92.5M securities against $99.9M; $112.1M cash and balances due against $63.9M.
$19.7M total interest income against $17.9M; $3.9M total interest expense against $4.0M.
$15.8M net interest income against $14.0M.
$2.8M total noninterest income against $2.6M; $10.9M total noninterest expense against $10.1M.
$51K provision for credit losses against $462K.
$6.1M net income against $4.8M.
1.74% return on assets against 1.50%; 4.79% net interest margin against 4.63%.
13.02% CET1 capital ratio against 12.22%; 9.80% tier 1 leverage ratio against 9.49%.
Inside the full Benchmark Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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).
Benchmark Community Bank rankings
Its closest position to the top of a national ranking is 776 of 4,196, for total assets; its furthest is 950 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.45% (Q4 2024) to 1.74% (Q2 2026) and its net interest margin ran from 4.36% (Q3 2024) to 4.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.02% | 1.74% | 0.17% | 1.56% | 4.79% |
| Q1 2026 | 12.50% | 1.53% | 0.22% | 1.91% | 4.68% |
| Q4 2025 | 12.32% | 1.56% | 0.19% | 1.64% | 4.74% |
| Q3 2025 | 12.56% | 1.64% | 0.19% | 1.62% | 4.66% |
| Q2 2025 | 12.22% | 1.50% | 0.36% | 3.04% | 4.63% |
| Q1 2025 | 12.46% | 1.49% | 0.16% | 1.36% | 4.54% |
| Q4 2024 | 12.10% | 1.45% | 0.33% | 3.27% | 4.44% |
| Q3 2024 | 11.77% | 1.52% | 0.39% | 3.32% | 4.36% |
Swipe the table sideways to see every column.
Branch Network
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clarksville Branch | Clarksville , VA | 23927 | $139.5M |
| South Boston Branch | South Boston , VA | 24592 | $132.3M |
| South Hill Branch | South Hill , VA | 23970 | $130.8M |
| South Main Street Branch | Farmville , VA | 23901 | $119.4M |
| Kenbridge Retail Branch | Kenbridge , VA | 23944 | $101.8M |
| Emporia Branch | Emporia , VA | 23847 | $95.5M |
| Victoria Branch | Victoria , VA | 23974 | $82.3M |
| Halifax Branch | Halifax , VA | 24558 | $78.2M |
| Farmville Branch | Farmville , VA | 23901 | $74.9M |
| Henderson Branch | Henderson , NC | 27536 | $71.6M |
| Chase City Branch | Chase City , VA | 23924 | $47.1M |
| Blackstone Branch | Blackstone , VA | 23824 | $43.3M |
| Lawrenceville Branch | Lawrenceville , VA | 23868 | $43.1M |
| Crewe Branch | Crewe , VA | 23930 | $41.8M |
| Youngsville Branch | Youngsville , NC | 27596 | $39.4M |
| Wake Forest Branch | Wake Forest , NC | 27587 | $25.1M |
| Franklinton Branch | Franklinton , NC | 27525 | $8.9M |
| Benchmark Community Bank (main office) | Kenbridge , VA | 23944 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 25, 2020, Federal Reserve: Civil Money Penalty: Benchmark Community Bank, Kenbridge, Virginia
- Period: Most recent institution action June 25, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in VA, rank 32 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 570 applications, 452 loans originated, $98.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Benchmark Community Bank
What are Benchmark Community Bank's total assets?
As of the Q2 2026 filing, Benchmark Community Bank reported total assets of $1.41 billion in its FFIEC call report.
Where is Benchmark Community Bank headquartered?
It is headquartered in Kenbridge, VA, United States.
When was Benchmark Community Bank founded?
It was established in 1971, per the FDIC institution directory.
Is Benchmark Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Benchmark Community Bank?
Benchmark Community Bank's primary federal regulator is the Federal Reserve.
What is Benchmark Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Benchmark Community Bank operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Benchmark Community Bank's Texas Ratio?
Its Texas Ratio is 1.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Benchmark Community Bank previously called?
The charter now named Benchmark Community Bank has also operated as The Lunenburg County Bank (1974-1989), per FDIC structure-change records.
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