Burke and Herbert Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.49 percentage points higher than in Q1 2026, at 106.88%. Burke and Herbert Bank and Trust Company ranks 45th of 56 Virginia banks on return on assets, in the lower half at 0.62% (Q2 2026). Against a median of 1.30% for banks in the $10B-100B asset tier, Burke and Herbert Bank and Trust Company reported 0.62% on return on assets in Q2 2026, 0.67 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.32% |
| Tier 1 risk-based capital ratio | 13.32% |
| Total risk-based capital ratio | 14.31% |
| Tier 1 leverage ratio | 12.26% |
| Equity capital to assets | 12.10% |
| Tangible equity to tangible assets | 10.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.10% |
| Non-performing assets ratio | 0.83% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 8.01% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 106.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 5.54% |
| Net interest margin | 4.20% |
| Efficiency ratio | 72.35% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.94% |
| Core deposits to total deposits | 93.18% |
| Brokered deposits to total deposits | 1.34% |
| Deposits to assets | 81.91% |
| Securities to assets | 17.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.36% | 16.36% | 17.39% | 11.27% | 0.66% |
| Q4 2023 | 16.79% | 16.79% | 17.82% | 11.27% | 0.73% |
| Q1 2024 | 16.45% | 16.45% | 17.43% | 11.28% | 0.70% |
| Q2 2024 | 12.40% | 12.40% | 13.53% | 9.89% | -0.38% |
| Q3 2024 | 13.08% | 13.08% | 14.21% | 10.67% | 1.59% |
| Q4 2024 | 13.29% | 13.29% | 14.41% | 10.88% | 1.23% |
| Q1 2025 | 13.52% | 13.52% | 14.62% | 11.22% | 1.58% |
| Q2 2025 | 13.98% | 13.98% | 15.08% | 11.51% | 1.71% |
| Q3 2025 | 14.08% | 14.08% | 15.20% | 11.40% | 1.75% |
| Q4 2025 | 14.77% | 14.77% | 15.92% | 11.59% | 1.71% |
| Q1 2026 | 15.15% | 15.15% | 16.29% | 11.97% | 1.60% |
| Q2 2026 | 13.32% | 13.32% | 14.31% | 12.26% | 0.62% |
Burke and Herbert Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Burke and Herbert Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Burke and Herbert Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11578) · FFIEC NIC profile (RSSD 933621)