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The Bank Of Charlotte County
Phenix, VA · FDIC Certificate #14491 · Chartered 11/1
Total assets
$222.80M
Total deposits
$194.50M
Total equity
$27.25M
Net loans
$138.66M
Branches (offices)
6
Net income (YTD)
$3.87M
Rank: #2,848 of 4,213 U.S. banks by assets · #47 of 56 in Virginia. Assets changed 7.3% and deposits 8.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.44% |
| Return on equity | 31.08% |
| Net interest margin (YTD) | 4.54% |
| Equity to assets | 12.23% |
| Tier 1 leverage ratio | 12.79% |
| Uninsured deposits (share of deposits) | 22.1% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 71.3% |
| Real estate loans (share of loans) | 92.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $128.43M | 92.6% | |
| Commercial & industrial | $7.35M | 5.3% | |
| Consumer / individual | $3.36M | 2.4% | |
| Construction & development | $5.21M | 3.8% | |
| Agricultural | $852.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $189.15M | $168.45M | $719.00K | $20.48M |
| Jun 2023 | $181.75M | $154.56M | $1.03M | $21.41M |
| Jun 2024 | $194.49M | $164.99M | $1.27M | $20.68M |
| Jun 2025 | $207.65M | $178.91M | $1.33M | $22.84M |
| Jun 2026 | $222.80M | $194.50M | $3.87M | $27.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $194.50M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $194.50M.
Similar-sized banks
The National Bank Of Malvern ($224.03M) · Tanager Bank ($222.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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