Burke and Herbert Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Burke and Herbert Bank and Trust Company is an FDIC-insured commercial bank headquartered in Alexandria, VA, established in 1852 (FDIC certificate 11578), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $10.98B, up 36.7% from Q2 2025, the 6th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 13.32% 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
- 11578
- Headquarters
- Alexandria, VA
- Established
- 1852
- Total assets, Q2 2026
- $10.98B
- Assets vs Q2 2025
- +36.7%
- CET1 ratio, Q2 2026
- 13.32%
- Domestic offices
- 106 FDIC institution directory, current count
- Routing number
- 056001066
- Latest call report
- Q2 2026, FFIEC 041 · Burke and Herbert Bank and Trust Company call report
- Holding company
- BURKE & HERBERT FINANCIAL SERVICES CORP.
- Asset rank in state
- 6th of 56 in Virginia
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 1.19% and a Texas ratio of 8.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Burke and Herbert Bank and Trust Company is the 6th largest of the 56 banks headquartered in Virginia. From Q1 2026 to Q2 2026, its total assets rose 38.8% to $10.98B, loans rose 48.1% and deposits rose 42.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 38.9% of total loans, ahead of 1-4 family residential loans at 20.1%. Its 105 offices in the FDIC Summary of Deposits are in 79 cities across 6 states; its Alexandria 8 offices book 24% of its branch deposits. On its Q2 2026 call report, Burke and Herbert Bank and Trust Company meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 106 FDIC institution directory, current count
- 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
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
Over the 12 quarters to Q2 2026, Burke and Herbert Bank and Trust Company's total assets ran between $3.59B (Q3 2023) and $10.98B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$10.98B total assets against $8.04B; $9.65B total liabilities against $7.16B.
$7.91B net loans and leases against $5.52B; $9.00B total deposits against $6.40B.
$1.96B securities against $1.52B; $166.2M cash and balances due against $324.5M.
$136.9M total interest income against $111.8M; $41.0M total interest expense against $34.9M.
$95.9M net interest income against $76.9M.
$13.1M total noninterest income against $12.8M; $85.9M total noninterest expense against $47.3M.
$1.4M provision for credit losses against $624K.
$15.7M net income against $33.5M.
0.62% return on assets against 1.71%; 4.20% net interest margin against 4.23%.
13.32% CET1 capital ratio against 13.98%; 12.26% tier 1 leverage ratio against 11.51%.
Inside the full Burke and Herbert Bank and Trust Company 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).
Burke and Herbert Bank and Trust Company rankings
Its closest position to the top of a national ranking is 147 of 4,196, for total assets; its furthest is 3,113 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.62% (Q2 2026) to 1.75% (Q3 2025) and its net interest margin ran from 4.05% (Q4 2024) to 4.27% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.32% | 0.62% | 1.19% | 8.01% | 4.20% |
| Q1 2026 | 15.15% | 1.60% | 1.45% | 8.78% | 4.10% |
| Q4 2025 | 14.77% | 1.71% | 1.38% | 8.41% | 4.21% |
| Q3 2025 | 14.08% | 1.75% | 1.60% | 10.46% | 4.18% |
| Q2 2025 | 13.98% | 1.71% | 1.53% | 10.23% | 4.23% |
| Q1 2025 | 13.52% | 1.58% | 1.15% | 8.03% | 4.18% |
| Q4 2024 | 13.29% | 1.23% | 0.68% | 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
View all 105 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 1.5% of deposits in VA, rank 9 of 102 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.
- Not on file
- Enforcement actions, 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 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.
Where is Burke and Herbert Bank and Trust Company headquartered?
It is headquartered in Alexandria, VA, United States.
When was Burke and Herbert Bank and Trust Company founded?
It was established in 1852, per the FDIC institution directory.
Is Burke and Herbert Bank and Trust Company FDIC-insured?
Yes. It 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.
What is Burke and Herbert Bank and Trust Company's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 8.01% 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 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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