Institution Statistics
| The Middleburg Bank | | FDIC Certificate # | 6881 | | BankRate Report | View | | Year Established | 1924 | | Employees | 400 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $1.20 billion | | Loans | $748.54 million | | Deposits | $953.54 million | | Equity Capital | $104.88 million | | Loan Loss Allowance | $14.86 million | | Unbacked Noncurrent Loans | $22.41 million | | Real Estate Owned | $12.10 million |
Historic Data - March 2011 | | Assets | $1.08 billion | | Equity Capital | $94.82 million | | Loan Loss Allowance | $14.58 million | | Unbacked Noncurrent Loans | $34.23 million | | Real Estate Owned | $7.83 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.61% | | Return on Assets | 0.53% | | Return on Equity | 6.08% | | Interest Income | $12.34 million |
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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 March 31, 2012 The Middleburg Bank had $34.51 million in non-current loans and owned real-estate with $119.74 million in equity and loan loss allowances on hand to cover it. This gives The Middleburg Bank a Texas Ratio of 28.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for The Middleburg Bank decreased slightly from 38.45% as of March 31, 2011 to 28.82% as of March 31, 2012, resulting in a positive change of 25.04%.This indicates that the balance sheet and financial strength for The Middleburg Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, The Middleburg Bank has increased its total deposits by $85.59 million, resulting in 9.86% 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 The Middleburg Bank has shown is excellent. | | 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. The Middleburg Bank has $1.2 billion in assets with $119.74 million in equity, resulting in a capitalization level of 10.00%, which is average. |
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Average User Rating:
Worth The Inconvenient Open Times.
Now there's a backhanded praise...worth the inconvenient open times. The bank closes earlier than a lot of their competition, but they offer so many pluses.
No fee personal checking, a local feeling to their branches, great customer services and a willingness to prevent problems (e.g. I was starting commercial dealings with European companies, they suggested opening another checking account for moving funds back and forth with a much lower risk of bank account hacking...opened up a second account and maintain a $5 balance to minimize losses...very handy).
I still keep an account open at TD Bank for convenience (great hours and personal quality but raised necessary account levels to prevent account charges, so no more free checking)
Middleburg Bank is a part of the community.