Benchmark Community Bank (FDIC #20484): Bank Stress & Real-Estate Credit Exposure

Benchmark Community Bank (FDIC Cert #20484): bank stress 60/100, elevated, STABLE over 7 days; parent BENCHMARK BANKSHARES INC (BMBN).

Benchmark Community Bank (#20484) lends in 10 counties across 2 states; Benchmark Community Bank (#20484) reaches 118 ZIP codes: Virginia 7 counties, 60 ZIPs; North Carolina 3 counties, 58 ZIPs.

Benchmark Community Bank (#20484) largest markets: Wake County, NC (41 branches, 41 ZIPs) (#20484), Brunswick County, VA (16 branches, 16 ZIPs) (#20484), Halifax County, VA (28 branches, 14 ZIPs) (#20484), Franklin County, NC (26 branches, 13 ZIPs) (#20484), Mecklenburg County, VA (39 branches, 13 ZIPs) (#20484), Lunenburg County, VA (36 branches, 12 ZIPs) (#20484).

Benchmark Community Bank (#20484) reports $1.41 billion in total assets; Benchmark Community Bank (#20484) equity $133.5 million (9.4% of Benchmark Community Bank (#20484) assets); Benchmark Community Bank (#20484) domestic deposits $1.28 billion; Benchmark Community Bank (#20484) net income $11.3 million; Benchmark Community Bank (#20484) return on assets 1.63%; Benchmark Community Bank (#20484) return on equity 17.45%; Benchmark Community Bank (#20484) net interest income $31.1 million; Benchmark Community Bank (#20484) call report June 30, 2026.

Benchmark Community Bank (#20484) noncurrent real-estate loans 0.01% of its book; Benchmark Community Bank (#20484) net charge-offs on real estate 0.17%; Benchmark Community Bank (#20484) residential charge-offs 0.18%.

Benchmark Community Bank (#20484) net interest margin 4.74% against an eight-quarter Benchmark Community Bank (#20484) average of 4.57% (Benchmark Community Bank (#20484) compression -0.17 points); Benchmark Community Bank (#20484) real-estate loans 0.5% of equity; Benchmark Community Bank (#20484) non-residential real estate 17.9% of equity; Benchmark Community Bank (#20484) rate-exposure score 40/100, Benchmark Community Bank (#20484) fixed-rate trap 40/100; Benchmark Community Bank (#20484) risk type credit driven; Benchmark Community Bank (#20484) rate regime rates elevated; Benchmark Community Bank (#20484) shares 1.2% below the 52-week high, Benchmark Community Bank (#20484) equity trend strong, Benchmark Community Bank (#20484) snapshot October 19, 2026.

Benchmark Community Bank (#20484) stress score moved from 61.4 on June 22, 2026 to 60 on October 19, 2026; Benchmark Community Bank (#20484) ranged 60 to 61.4 over 116 snapshots.

Benchmark Community Bank (#20484) alerts: 10 counties; top Benchmark Community Bank (#20484) alert scores: Emporia County, VA 28 (low); Crewe County, VA 21 (low); Farmville County, VA 21 (low); Henderson County, VA 21 (low); Lawrenceville County, VA 21 (low).