Community Bankers' Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Bankers' Bank is an FDIC-insured commercial bank headquartered in Midlothian, VA, established in 1987 (FDIC certificate 26871), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $139.4M, up 0.6% from Q2 2025, the 51st largest of 56 banks headquartered in Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26871
- Headquarters
- Midlothian, VA
- Established
- 1987
- Total assets, Q2 2026
- $139.4M
- Assets vs Q2 2025
- +0.6%
- Tier 1 leverage ratio, Q2 2026
- 15.43%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 051005106
- Latest call report
- Q2 2026, FFIEC 051 · Community Bankers' Bank call report
- Holding company
- CBB FINANCIAL CORP.
- Asset rank in state
- 51st of 56 in Virginia
Community Bankers' Bank spends more to run itself than most banks of its size. Its balance sheet stood at $139 million at June 30, 2026; it is based in Midlothian, Virginia. It earns about $0.34 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 92 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The balance sheet shrank over the year: over the year loans fell 5.0% and deposits fell 10.1%. Its margin is thin by comparison: it keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Community Bankers' Bank reported a return on assets of 0.34%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bankers' Bank is the 51st largest of the 56 banks headquartered in Virginia. From Q1 2026 to Q2 2026, its total assets fell 9.3% to $139.4M, loans rose 2.4% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 45.5% of total loans, ahead of owner-occupied commercial real estate loans at 14.7%. The FDIC Summary of Deposits lists a single office for it, in Midlothian, VA. Judged on its Q2 2026 call report, Community Bankers' Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2601 Promenade Pkwy, Midlothian, VA 23113
- County
- Chesterfield
- Metro Area
- Richmond, VA
- 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
- January 2, 1987
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $94.9M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $133.9M
- Average total loans
- $90.8M
- Average interest-bearing deposits
- $44.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1987
- FDIC Cert
- 26871
- Fed RSSD
- 77422
- Website
- http://cbbonline.com →
- Parent Holding Company
- CBB FINANCIAL CORP. (RSSD 3848632)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Community Bankers' Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Bankers' Bank's total assets ranged from $128.8M (Q4 2025) to $170.3M (Q3 2024), 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
$139.4M total assets against $138.6M; $120.2M total liabilities against $120.0M.
$89.6M net loans and leases against $94.4M; $94.9M total deposits against $105.6M.
$21.5M securities against $18.2M; $18.7M cash and balances due against $16.2M.
$1.6M total interest income against $1.7M; $618K total interest expense against $731K.
$953K net interest income against $946K.
$677K total noninterest income against $517K; $1.5M total noninterest expense against $1.4M.
-$6K provision for credit losses against $0.
$115K net income against $29K.
0.34% return on assets against 0.08%; 3.01% net interest margin against 2.76%.
15.43% tier 1 leverage ratio against 14.06%.
Inside the full Community Bankers' 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Bankers' Bank rankings
Its closest position to the top of a national ranking is 3,371 of 4,196, for total assets; its furthest is 3,587 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.08% (Q2 2025) to 0.34% (Q2 2026) and its net interest margin ran from 2.57% (Q4 2024) to 3.01% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.43% | 0.34% | 0.00% | 0.00% | 3.01% |
| Q1 2026 | 15.57% | 0.12% | 0.00% | 0.00% | 2.91% |
| Q4 2025 | 15.26% | 0.27% | 0.00% | 0.00% | 2.90% |
| Q3 2025 | 14.60% | 0.17% | 0.00% | 0.00% | 2.82% |
| Q2 2025 | 14.06% | 0.08% | 0.00% | 0.00% | 2.76% |
| Q1 2025 | 13.92% | 0.18% | 0.00% | 0.00% | 2.73% |
| Q4 2024 | 13.46% | 0.14% | 0.00% | 0.00% | 2.57% |
| Q3 2024 | 13.14% | 0.16% | 0.00% | 0.00% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Community Bankers' Bank (main office) | Midlothian , VA | 23113 | $94.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in VA, rank 85 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Community Bankers' Bank
What are Community Bankers' Bank's total assets?
As of the Q2 2026 filing, Community Bankers' Bank reported total assets of $139.4 million in its FFIEC call report.
Where is Community Bankers' Bank headquartered?
It is headquartered in Midlothian, VA, United States.
When was Community Bankers' Bank founded?
It was established in 1987, per the FDIC institution directory.
Is Community Bankers' Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26871). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bankers' Bank?
Community Bankers' Bank's primary federal regulator is the Federal Reserve.
How many branches does Community Bankers' Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bankers' Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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