Total Assets
$129M
Total balance-sheet footings
FDIC Cert #26871 · Midlothian, Virginia · Est. 1987
Community Bankers' Bank - FDIC Bank Health Profile
A community-scale look at Community Bankers' Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $129M
- Total assets
- B
- Health grade · Good
- 0.18%
- Return on assets
- 15.3%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bankers' Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 15.26% Tier 1, 0.18% ROA, 96% efficiency ratio.
- #3,523
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 15.26%
- Tier 1 ratio - above the 10% well-capitalized line
- 8th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community Bankers' Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Bankers' Bank's composite health score
Tier 1 Capital Ratio (15.26%) 40/40
Return on Assets (ROA) (0.18%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (96.07%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$95M
Customer-funded liabilities
Net Loans
$88M
Outstanding loan book
Net Income
$247K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bankers' Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bankers' Bank's score of 67/100 falls in the highlighted band.
Community Bankers' Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Bankers' Bank's $129M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.26%
Texas Ratio
0.00%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.18%
Return on Equity (ROE)
1.32%
Efficiency Ratio
96.07%
What the numbers say about Community Bankers' Bank
Community Bankers' Bank is an FDIC-insured institution (Certificate #26871) headquartered in Midlothian, Virginia, established in 1987. It holds $129M in total assets - 3,523rd of 4,313 FDIC-insured banks, $95M in customer deposits, and $88M in net loans. Its capital position: a Tier 1 ratio of 15.26%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community Bankers' Bank is a community-scale institution -- 51st of 56 FDIC-insured banks headquartered in Virginia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bankers' Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bankers' Bank (FDIC Cert #26871) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National AssociationMclean | $658.5B | B | 0.55% |
| HSBC Bank USA, National AssociationTysons | $165.3B | A | 0.92% |
| Atlantic Union BankRichmond City | $37.5B | A | 0.99% |
| United BankFairfax | $33.5B | A | 1.50% |
| TowneBankPortsmouth | $19.7B | B | 0.90% |
| Burke & Herbert Bank & Trust CompanyAlexandria | $7.9B | A | 1.69% |
| Carter Bank & TrustMartinsville | $4.8B | D | 0.72% |
| The First Bank and Trust CompanyLebanon | $4.2B | A | 1.62% |
Frequently asked questions
What is Community Bankers' Bank's health grade?▼
Community Bankers' Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community Bankers' Bank?▼
Community Bankers' Bank holds $129M in total assets and $95M in deposits, ranking 3,523rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Midlothian, Virginia.
Is my money safe at Community Bankers' Bank?▼
Yes, deposits at Community Bankers' Bank (Certificate #26871) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bankers' Bank's Tier 1 Capital Ratio?▼
Community Bankers' Bank has a Tier 1 Capital Ratio of 15.26%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community Bankers' Bank?▼
Community Bankers' Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Bankers' Bank?▼
Community Bankers' Bank has an Efficiency Ratio of 96.07%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bankers' Bank's profile as a depositor or analyst.
- Community Bankers' Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bankers' Bank against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.