Institution Profile
Address: 100 S Broad St Kenbridge, VA 23944
Website:
FDIC Profile:
Established:
9/8/1971
Branches:
18
Branches by Region
VA 14 NC 4
Financial Overview
Total Assets
$1.37B
Total Deposits
$1.23B
Total Loans
$1.13B
Equity Capital
$126.74M
Employees
230
Allowance for Loan Losses
$8.71M
Performance Ratios
Net Worth Ratio
9.28%
Loan-to-Deposit Ratio
92.29%
Coverage Ratio
0.77% Allowance / Total Loans
Net Income
$19.98M
Return on Assets (ROA)
1.54%
Return on Equity (ROE)
16.88%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +90.96% Total Deposits: +93.10% Total Loans: +91.67% since 2020 Q1
Employee Growth
Employee Growth
Employees: +25.00% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$452.12M 40.0%
Commercial Real Estate
$333.21M 29.5%
Construction
$205.55M 18.2%
Commercial & Industrial
$60.71M 5.4%
Multifamily
$40.51M 3.6%
Farmland
$13.14M 1.2%
Municipal
$11.38M 1.0%
Other Consumer
$7.47M 0.7%
Auto Loans
$5.38M 0.5%
Credit Card
$1.28M 0.1%
Agricultural
$544,000 0.0%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +797.66% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $1.37B | $1.23B | $1.13B | $19.98M | 230 |
| 2025 Q3 | $1.32B | $1.19B | $1.09B | $14.75M | 228 |
| 2025 Q2 | $1.29B | $1.17B | $1.06B | $9.42M | 229 |
| 2025 Q1 | $1.28B | $1.15B | $1.02B | $4.63M | 221 |
| 2024 Q4 | $1.22B | $1.11B | $996.90M | $16.04M | 220 |
| 2024 Q3 | $1.21B | $1.09B | $979.67M | $11.55M | 224 |
| 2024 Q2 | $1.20B | $1.09B | $959.97M | $6.99M | 225 |
| 2024 Q1 | $1.18B | $1.07B | $927.40M | $3.28M | 220 |
| 2023 Q4 | $1.16B | $1.06B | $892.23M | $15.54M | 218 |
| 2023 Q3 | $1.10B | $1.00B | $865.46M | $12.02M | 216 |
| 2023 Q2 | $1.12B | $1.02B | $844.35M | $8.48M | 206 |
| 2023 Q1 | $1.13B | $1.03B | $835.65M | $4.59M | 200 |
| 2022 Q4 | $1.12B | $1.03B | $816.08M | $13.46M | 198 |
| 2022 Q3 | $1.13B | $1.04B | $781.66M | $9.48M | 195 |
| 2022 Q2 | $1.06B | $972.03M | $723.49M | $5.32M | 187 |
| 2022 Q1 | $1.08B | $991.74M | $679.04M | $2.10M | 184 |
| 2021 Q4 | $1.04B | $947.43M | $646.15M | $11.82M | 182 |
| 2021 Q3 | $991.56M | $898.13M | $655.19M | $9.08M | 180 |
| 2021 Q2 | $978.41M | $889.44M | $652.33M | $5.66M | 186 |
| 2021 Q1 | $952.29M | $864.35M | $630.91M | $2.86M | 188 |
| 2020 Q4 | $870.81M | $786.26M | $616.56M | $10.56M | 187 |
| 2020 Q3 | $807.03M | $722.91M | $645.27M | $7.71M | 183 |
| 2020 Q2 | $791.41M | $707.53M | $624.11M | $4.86M | 185 |
| 2020 Q1 | $715.48M | $634.87M | $590.34M | $2.23M | 184 |