The Bank of Charlotte County: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 20.00% was up 251bps from the prior quarter. The Bank of Charlotte County is a locally rooted FDIC-insured community bank based in Phenix, VA. As of Q2 2026, the bank held approximately $223M in total assets and $194M in deposits. Returns are notably above industry norms: 5.39% ROA, 47.86% ROE, and 4.56% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 20.00% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 1.30% NPL ratio. 6 branches make up the footprint.
As of June 30, 2026, The Bank of Charlotte County reported a CET1 capital ratio of 20.00%, a return on assets of 5.39%, a nonperforming-loan ratio of 1.30%, a Texas ratio of 7.04%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 101 Berkley Street, Phenix, VA 23959
- County
- Charlotte
- 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 041
- Established
- November 12, 1912
- Former names
- The Bank of Charlotte County (1979)
- Offices
- 6 domestic
- Employees (FTE)
- 48
- Domestic deposits
- $194.5M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $92K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1934
- FDIC Cert
- 14491
- Fed RSSD
- 667524
- Website
- www.bankofcharlotte.com →
- Parent Holding Company
- BCC BANKSHARES, INC. (RSSD 2835680)
Profitability
Capital & 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.
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.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
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 The Bank of Charlotte County terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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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.
Metric pages for The Bank of Charlotte County: ROA, Efficiency ratio.
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 | 20.00% | 5.39% | 1.30% | 7.04% | 4.56% |
| Q1 2026 | 17.50% | 1.40% | 0.97% | 6.19% | 4.37% |
| Q4 2025 | 16.87% | 1.14% | 0.96% | 7.54% | 4.39% |
| Q3 2025 | 17.44% | 1.21% | 0.02% | 5.63% | 4.50% |
| Q2 2025 | 17.15% | 1.25% | 0.03% | 3.94% | 4.44% |
| Q1 2025 | 16.52% | 1.30% | 0.03% | 3.70% | 4.50% |
| Q4 2024 | 15.90% | 1.19% | 0.03% | 1.53% | 4.65% |
| Q3 2024 | 16.26% | 1.30% | 0.03% | 0.20% | 4.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and 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 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Brookneal Branch | Brookneal , VA | 24528 | $51.0M |
| Charlotte Court House Branch | Charlotte Court House , VA | 23923 | $50.3M |
| The Bank of Charlotte County | Phenix , VA | 23959 | $48.3M |
| Keysville Branch | Keysville , VA | 23947 | $32.5M |
| South Hill Branch | South Hill , VA | 23970 | $6.9M |
| Drakes Branch Branch | Drakes Branch , VA | 23937 | $5.5M |
Regulatory record
What the public regulatory sources show for The Bank of Charlotte County, 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
- <0.1% of deposits in VA, rank 73 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 58 loans originated, $11.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. 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 The Bank of Charlotte County
What are The Bank of Charlotte County's total assets?
As of the Q2 2026 filing, The Bank of Charlotte County reported total assets of $222.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Charlotte County headquartered?
The Bank of Charlotte County is headquartered in Phenix, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Charlotte County founded?
The Bank of Charlotte County was established in 1912, per the FDIC institution directory.
Is The Bank of Charlotte County FDIC-insured?
Yes. The Bank of Charlotte County is an FDIC-insured commercial bank (FDIC Certificate #14491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Charlotte County?
The Bank of Charlotte County'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 The Bank of Charlotte County's CET1 capital ratio?
The Bank of Charlotte County reported a Common Equity Tier 1 (CET1) capital ratio of 20.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Charlotte County operate?
The Bank of Charlotte County operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Charlotte County's Texas Ratio?
The Bank of Charlotte County's Texas Ratio is 7.04% 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 The Bank of Charlotte County previously called?
The charter now named The Bank of Charlotte County has also operated as The Bank of Charlotte County (1979), per FDIC structure-change records.
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