Burke&Herbert Bank&Trust Co (FDIC #11578): Bank Stress & Real-Estate Credit Exposure
Burke&Herbert Bank&Trust Co (FDIC Cert #11578): bank stress 62/100, elevated, STABLE over 7 days; parent BURKE&HERBERT FINL SERVICES.
Burke&Herbert Bank&Trust Co (#11578) lends in 53 counties across 6 states; Burke&Herbert Bank&Trust Co (#11578) reaches 1,007 ZIP codes: Virginia 20 counties, 245 ZIPs; West Virginia 17 counties, 316 ZIPs; Maryland 8 counties, 188 ZIPs; Pennsylvania 6 counties, 233 ZIPs; Delaware 1 county, 24 ZIPs; Kentucky 1 county, 4 ZIPs.
Burke&Herbert Bank&Trust Co (#11578) largest markets: Lancaster County, PA (61 branches, 61 ZIPs) (#11578), Schuylkill County, PA (118 branches, 59 ZIPs) (#11578), Montgomery County, MD (53 branches, 53 ZIPs) (#11578), Fairfax County, VA (637 branches, 49 ZIPs) (#11578), Kanawha County, WV (96 branches, 48 ZIPs) (#11578), Chester County, PA (46 branches, 46 ZIPs) (#11578).
Burke&Herbert Bank&Trust Co (#11578) reports $10.98 billion in total assets; Burke&Herbert Bank&Trust Co (#11578) equity $1.33 billion (12.1% of Burke&Herbert Bank&Trust Co (#11578) assets); Burke&Herbert Bank&Trust Co (#11578) domestic deposits $9.00 billion; Burke&Herbert Bank&Trust Co (#11578) net income $47.4 million; Burke&Herbert Bank&Trust Co (#11578) return on assets 1.06%; Burke&Herbert Bank&Trust Co (#11578) return on equity 8.92%; Burke&Herbert Bank&Trust Co (#11578) net interest income $170.0 million; Burke&Herbert Bank&Trust Co (#11578) call report June 30, 2026.
Burke&Herbert Bank&Trust Co (#11578) noncurrent real-estate loans: none reported; Burke&Herbert Bank&Trust Co (#11578) residential 0.01%; Burke&Herbert Bank&Trust Co (#11578) net charge-offs on real estate 1.20%; Burke&Herbert Bank&Trust Co (#11578) multifamily charge-offs 0.70%; Burke&Herbert Bank&Trust Co (#11578) residential charge-offs 1.06%.
Burke&Herbert Bank&Trust Co (#11578) net interest margin 4.20% against an eight-quarter Burke&Herbert Bank&Trust Co (#11578) average of 4.19% (Burke&Herbert Bank&Trust Co (#11578) compression -0.01 points); Burke&Herbert Bank&Trust Co (#11578) real-estate loans 0.2% of equity; Burke&Herbert Bank&Trust Co (#11578) non-residential real estate 106.4% of equity; Burke&Herbert Bank&Trust Co (#11578) rate-exposure score 40/100, Burke&Herbert Bank&Trust Co (#11578) fixed-rate trap 40/100; Burke&Herbert Bank&Trust Co (#11578) risk type credit driven; Burke&Herbert Bank&Trust Co (#11578) rate regime rates elevated, Burke&Herbert Bank&Trust Co (#11578) snapshot October 19, 2026.
Burke&Herbert Bank&Trust Co (#11578) stress score moved from 50.7 on June 22, 2026 to 61.9 on October 19, 2026; Burke&Herbert Bank&Trust Co (#11578) ranged 50.7 to 61.9 over 116 snapshots.
Burke&Herbert Bank&Trust Co (#11578) alerts: 38 counties; top Burke&Herbert Bank&Trust Co (#11578) alert scores: Lancaster County, VA 45 (moderate); Winchester County, VA 41 (moderate); Salem County, VA 40 (moderate); Arlington County, VA 38 (moderate); Spotsylvania County, VA 38 (moderate).