What is Benchmark Community Bank's financial health grade?

Benchmark Community Bank has a TFS Financial Health Grade of C+ (score: 78.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Benchmark Community Bank have?

Benchmark Community Bank has 18 branch locations across the United States.

Is Benchmark Community Bank FDIC insured?

Yes, Benchmark Community Bank is FDIC insured (Certificate #20484).

What are the total assets of Benchmark Community Bank?

Benchmark Community Bank has total assets of $1.4B as reported in its most recent FDIC filing.

Benchmark Community Bank

BankKenbridge, Virginia

www.BCBforlife.bank

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

Established

1971

TFS Health Grade

C+

78.0 / 100

Average financial health

How we grade

Benchmark Community Bank is a bank headquartered in Kenbridge, Virginia, established in 1971. With $1.4B in total assets and 18 branch locations, it has a TFS Financial Health Grade of C+ (78.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.67%(8%)

Total Capital Ratio

13.16%(10%)

Non-Performing Loan Ratio

0.19%

Profitability

Return on Assets (ROA)

1.54%(1%)

Return on Equity (ROE)

16.88%(10%)

Net Interest Margin

4.66%

Efficiency Ratio

60.62%(60%)

Lending & Liquidity

Total Loans

$1.1B

Loan-to-Deposit Ratio

91.58%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+11.66%

Deposit Growth (YoY)

+10.94%

Net Income

$20.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Benchmark Community BankHQ	100 S Broad St	Kenbridge	VA	21
Benchmark Community Bank	103 S Main St	Franklinton	NC	11
Benchmark Community Bank	1750 Graham Ave	Henderson	NC	12
Benchmark Community Bank	3619 Rogers Rd	Wake Forest	NC	12
Benchmark Community Bank	110 S College St	Youngsville	NC	11
Benchmark Community Bank	410 Church St	Blackstone	VA	11
Benchmark Community Bank	845 E 2nd St	Chase City	VA	11
Benchmark Community Bank	133 College St	Clarksville	VA	11
Benchmark Community Bank	1500 W Virginia Ave	Crewe	VA	11
Benchmark Community Bank	125 W Atlantic St	Emporia	VA	11
Benchmark Community Bank	101 Midtown Ave	Farmville	VA	11
Benchmark Community Bank	1577 S Main St	Farmville	VA	11
Benchmark Community Bank	290 S Main St	Halifax	VA	11
Benchmark Community Bank	204 S Broad St	Kenbridge	VA	11
Benchmark Community Bank	220 W 5th Ave	Lawrenceville	VA	11
Benchmark Community Bank	1135 Huell Matthews Hwy	South Boston	VA	11
Benchmark Community Bank	828 N Mecklenburg Ave	South Hill	VA	11
Benchmark Community Bank	1910 Main Street	Victoria	VA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.