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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Coeburn, VA · FDIC certificate #23989
MINERS EXCHANGE BANK is an FDIC-insured institution based in Coeburn, VA (FDIC certificate #23989). In its Q3 2026 Call Report it reported total assets of $91M, total deposits of $79M and net loans of $57M. Its primary federal regulator is FED.
Plain-language readout
MINERS EXCHANGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $95M in Q1 2026 and were lowest at $91M in Q3 2026.
Total deposits were highest at $82M in Q1 2026 and lowest at $79M in Q3 2026.
Over the whole period total assets fell 3.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $91M | $79M | $57M | -0.39% | -3.35% | 5.21% |
| Q2 2026 | $93M | $81M | $56M | -0.51% | -4.38% | 5.06% |
| Q1 2026 | $95M | $82M | $56M | 0.26% | 2.22% | 4.99% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.5M | $8.7M | -$196K | -2.3% |
| Federal funds sold | $9.1M | $10.1M | -$1.1M | -10.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $14.3M | $15.3M | -$908K | -6.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $56.2M | $55.8M | +$379K | +0.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.3M | $1.9M | +$338K | +17.4% |
| Other real estate owned | $248K | $294K | -$46K | -15.6% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.9M | $2.8M | +$70K | +2.5% |
| Total assets | $93.5M | $94.9M | -$1.4M | -1.5% |
| Liabilities | ||||
| Total deposits | $81.0M | $82.1M | -$1.1M | -1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.7M | -$39K | -2.4% |
| Total liabilities | $82.6M | $83.8M | -$1.1M | -1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.2M | $1.2M | $0K | 0.0% |
| Surplus | $1.2M | $1.2M | $0K | 0.0% |
| Retained earnings | $9.5M | $9.8M | -$305K | -3.1% |
| Accumulated other comprehensive income | -$940K | -$956K | +$16K | +1.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.8M | $11.1M | -$289K | -2.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.0M | $1.9M | +$132K | +6.9% |
| Adjusted nonperforming assets | $2.0M | $1.9M | +$132K | +6.9% |
| Tangible equity plus allowance | $11.4M | $11.7M | -$291K | -2.5% |
| Texas ratio (gross) | 17.85% | 16.28% | +1.57 pts | See points |
| Texas ratio (adjusted) | 17.85% | 16.28% | +1.57 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 20.90% | 21.63% | -0.72 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 20.90% | 21.63% | -0.72 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.10% | 1.11% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 22.01% | 22.74% | -0.74 pts | See points |
| Tier 1 leverage (approximate) | 12.40% | 12.72% | -0.31 pts | See points |
| Construction and land loans to total capital | 15.00% | 14.10% | +0.91 pts | See points |
| Commercial real estate to total capital | 77.63% | 70.98% | +6.65 pts | See points |
| Dividend payout, year to date | Not reported | 185.48% | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.12% | -10.03% | -0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $75.2M | $76.1M | -$906K | -1.2% |
| Non-core funding | $5.8M | $6.0M | -$192K | -3.2% |
| Loans to core deposits | 75.47% | 74.08% | +1.39 pts | See points |
| Loans to deposits | 70.07% | 68.67% | +1.40 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 45.29% | 41.29% | +4.00 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $5.8M | $6.0M | -$192K | -3.2% |
| Earnings | ||||
| Earnings before provision, year to date | -$187K | $103K | -$290K | -281.6% |
| Earnings before provision, single quarter | -$290K | $103K | -$393K | -381.6% |
| Provision for credit losses, year to date | $55K | $30K | +$25K | +83.3% |
| Yield and cost | ||||
| Yield on loans and leases | 7.40% | 7.38% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 2.72% | 1.59% | +1.13 pts | See points |
| Total interest income to average assets | 5.30% | 5.26% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.13% | 0.17% | -0.04 pts | See points |
| Cost of savings and money market deposits | 0.13% | 0.11% | +0.02 pts | See points |
| Cost of time deposits | 3.23% | 3.28% | -0.05 pts | See points |
| Total interest expense to average assets | 0.78% | 0.80% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $91M | $79M | $57M | -0.39% | -3.35% | 5.21% |
| 2026-06-30 | $93M | $81M | $56M | -0.51% | -4.38% | 5.06% |
| 2026-03-31 | $95M | $82M | $56M | 0.26% | 2.22% | 4.99% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $81.6M | 0.02% | 87 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.