FDIC Cert #23989 · Coeburn, Virginia · Est. 1982

Miners Exchange Bank - FDIC Bank Health Profile

A community-scale look at Miners Exchange Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$95M
Total assets
C
Health grade · Fair
0.22%
Return on assets
20.9%
Tier 1 capital

Data updated July 2026

The verdict

Miners Exchange Bank earns a PlainBankData health grade of C (63/100), with well-capitalized at 20.91% Tier 1, 0.22% ROA, 94% efficiency ratio.

#3,777
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
20.91%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 23989 · VA C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3586/4307
  • PHOTO-FINISH Amerant Bank, Nation… · FL
  • TIER1-WELL 20.9% Tier 1
  • TEXAS-CLEAN 11.3% Texas
  • ROA-THIN 0.22% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Amerant Bank, National Association, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Miners Exchange Bank

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Amerant Bank, Nation… · FL ·…63/100Commonwealth Nationa… · AL ·…63/100FIDELITY BANK · LA · near63/100Miners Exchange Bank · VA · …63/100Warsaw Federal Savin… · OH ·…63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Miners Exchange Bank · July 2026

What Miners Exchange Bank's Call Report plate shows

Miners Exchange Bank (FDIC Cert #23989) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,586 of 4,307. Tier 1 capital prints at 20.91%, clearing the 10% well-capitalized line. The Texas Ratio is 11.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.22%. Balance-sheet scale is $95M, 3,777th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Amerant Bank, National Association (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Miners Exchange Bank

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

Miners Exchange Bank's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Miners Exchange Bank remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

How Miners Exchange Bank's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
Miners Exchange Bank's composite health score
Tier 1 Capital Ratio (20.91%) 40/40
Return on Assets (ROA) (0.22%) 7/25
Texas Ratio (11.26%) 16/20
Efficiency Ratio (93.70%) 0/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$95M

Total balance-sheet footings

Total Deposits

$82M

Customer-funded liabilities

Net Loans

$58M

Outstanding loan book

Net Income

$204K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.51% 20.91% 22.31%
Basel III capital ratios - Miners Exchange Bank

Where Miners Exchange Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Miners Exchange Bank's score of 63/100 falls in the highlighted band.

Miners Exchange Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Miners Exchange Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Miners Exchange 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). Miners Exchange Bank's $95M falls in the highlighted band.

Safety ratios for Miners Exchange Bank

Tier 1 capital ratio
Well-capitalized 10%

20.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.91%
Texas Ratio
11.26%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: Miners Exchange Bank

Return on Assets (ROA)
8th percentile nationally
0.22%
Return on Equity (ROE)
1.89%
Efficiency Ratio
93.70%

What these mean →

Income & expense at Miners Exchange Bank

$5M
Interest Income
$603K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Miners Exchange Bank reports a Texas Ratio of 11.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Miners Exchange Bank on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($95M here), outside Virginia so the neighborhood is not state containment.

The First National Bank of Osakis $95M · MN First Federal Savings Bank of Washing… $95M · IN The State Exchange Bank $95M · OK Community Unity Bank $95M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Miners Exchange Bank (FDIC Cert #23989) - 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.

Miners Exchange Bank Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
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%