Benchmark Community Bank

100 South Broad Street
Kenbridge, VA 23944
(434) 676-8444
www.bcbonline.com

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Benchmark Community Bank is headquartered in Kenbridge and is the 49^th largest bank in the state of Virginia. It is also the 1,576^th largest bank in the nation. It was established in 1971 and as of September of 2011, it had grown to 120 employees at 13 locations. Benchmark Community Bank has a 4-star health rating.

Benchmark Community Bank Routing Number: 051402482

4.01% Reward Checking Account at Benchmark Community Bank in Virginia - Local Only - 6/22/2009

Benchmark Community Bank is offering a high yield reward checking account called Success Checking. It has the following rates and features if certain monthly requirements are met:4.01% APY on balances up to $25,0001.01% APY on portion of balance over...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Benchmark Community Bank Checking Account Rates

Apy	Min	Max	Product
2.50%	-	$15k	$uccess Checking
0.10%	$500	-	Benchmark Checking
0.10%	-	-	Keystone Checking
0.10%	-	-	Community 1st Checking

Benchmark Community Bank Savings Account Rates

	Apy	Min	Max	Product
	0.35%	$100	-	Savings Account

Benchmark Community Bank Money Market Rates

Apy	Min	Max	Product
0.45%	$100k	-	Personal Money Market Account
0.45%	$100k	-	Business Money Market Account

Benchmark Community Bank CD Rates

Apy	Min	Max	Product
2.00%	$10k	-	Keystone Special 60 Month CD
1.75%	$500	-	5 Year Premium CD
1.75%	$100k	-	5 Year Jumbo Premium CD
1.75%	$10k	-	Keystone Special 48 Month CD
1.50%	$500	-	5 Year CD
1.50%	$500	-	4 Year Premium CD
1.50%	$100k	-	5 Year Jumbo CD
1.50%	$100k	-	4 Year Jumbo Premium CD
1.25%	$500	-	4 Year CD
1.25%	$500	-	3 Year Premium CD
1.25%	$100k	-	4 Year Jumbo CD
1.25%	$100k	-	3 Year Jumbo Premium CD
1.00%	$500	-	3 Year CD
1.00%	$500	-	2 Year Premium CD
1.00%	$100k	-	3 Year Jumbo CD
1.00%	$100k	-	2 Year Jumbo Premium CD
0.75%	$500	-	2 Year CD
0.75%	$100k	-	2 Year Jumbo CD
0.65%	$500	-	1 Year Premium CD
0.65%	$100k	-	1 Year Jumbo Premium CD
0.50%	$500	-	1 Year CD
0.50%	$100k	-	1 Year Jumbo CD
0.45%	$500	-	182 - 364 Day Premium CD
0.45%	$100k	-	182 - 364 Day Jumbo Premium CD
0.30%	$500	-	32 - 181 Day Premium CD
0.30%	$100k	-	32 - 181 Day Jumbo Premium CD
0.25%	$500	-	182 - 364 Day CD
0.25%	$100k	-	182 - 364 Day Jumbo CD
0.15%	$500	-	32 - 181 Day CD
0.15%	$100k	-	32 - 181 Day Jumbo CD

Benchmark Community Bank IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Year Premium IRA
1.75%	$500	-	5 Year Premium Roth IRA
1.50%	$500	-	5 Year IRA
1.50%	$500	-	4 Year Premium IRA
1.50%	$500	-	4 Year Premium Roth IRA
1.50%	$500	-	5 Year Roth IRA
1.25%	$500	-	4 Year IRA
1.25%	$500	-	3 Year Premium IRA
1.25%	$500	-	3 Year Premium Roth IRA
1.25%	$500	-	4 Year Roth IRA
1.00%	$500	-	3 Year IRA
1.00%	$500	-	2 Year Premium IRA
1.00%	$500	-	2 Year Premium Roth IRA
1.00%	$500	-	3 Year Roth IRA
0.75%	$500	-	2 Year IRA
0.75%	$500	-	2 Year Roth IRA
0.65%	$500	-	1 Year Premium IRA
0.65%	$500	-	1 Year Premium Roth IRA
0.50%	$500	-	1 Year IRA
0.50%	$500	-	1 Year Roth IRA
0.45%	$500	-	182 - 364 Day Premium IRA
0.45%	$500	-	182 - 364 Day Premium Roth IRA
0.30%	$500	-	32 - 181 Day Premium IRA
0.30%	$500	-	32 - 181 Day Premium Roth IRA
0.25%	$500	-	182 - 364 Day IRA
0.25%	$500	-	182 - 364 Day Roth IRA
0.15%	$500	-	32 - 181 Day IRA
0.15%	$500	-	32 - 181 Day Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Benchmark Community Bank
FDIC Certificate #	20484
BankRate Report	View
Year Established	1971
Employees	120
Primary Regulator	FED
Assets and Liabilities
Assets	$418.79 million
Loans	$331.23 million
Deposits	$373.43 million
Equity Capital	$42.46 million
Loan Loss Allowance	$4.62 million
Unbacked Noncurrent Loans	$3.97 million
Real Estate Owned	$2.11 million
Historic Data - September 2010
Assets	$417.33 million
Equity Capital	$38.20 million
Loan Loss Allowance	$4.76 million
Unbacked Noncurrent Loans	$10.67 million
Real Estate Owned	$256,000
Profit Margin - Quarterly
Net Interest Margin	4.93%
Return on Assets	1.27%
Return on Equity	13.12%
Interest Income	$17.90 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Benchmark Community Bank had $6.08 million in non-current loans and owned real-estate with $47.08 million in equity and loan loss allowances on hand to cover it. This gives Benchmark Community Bank a Texas Ratio of 12.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Benchmark Community Bank decreased significantly from 25.43% as of September 30, 2010 to 12.91% as of September 30, 2011, resulting in a positive change of 49.22%.This indicates that the balance sheet and financial strength for Benchmark Community Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Benchmark Community Bank has decreased its total deposits by -$2.58 million, resulting in -0.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Benchmark Community Bank has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Benchmark Community Bank has $418.79 million in assets with $47.08 million in equity, resulting in a capitalization level of 11.24%, which is above average.