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Overview / Commentary
111 West Washington Street
Middleburg, VA 20117

The Middleburg Bank is headquartered in Middleburg and is the 17st largest bank in the state of Virginia. It is also the 537th largest bank in the nation. It was established in 1924 and as of June of 2014, it had grown to 165 employees at 12 locations. The Middleburg Bank has a B+ health rating.

Reviews (2)

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.

Great Bank!

I've been with Middleburg since it opened in Reston, and have been consistently satisfied. The employees know their customers- a drive-up teller recognized that I'd gotten a new car, for example. I can call with questions or to ask for information. Everyone is friendly and treats me and other clients I've seen with respect. I've sent a number of clients there when they're dissatisfied with their current bank and will continue to do so.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 The Middleburg Bank had $15.12 million in non-current loans and owned real-estate with $127.43 million in equity and loan loss allowances on hand to cover it. This gives The Middleburg Bank a Texas Ratio of 11.86% 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 The Middleburg Bank decreased dramatically from 23.27% as of June 30, 2013 to 11.86% as of June 30, 2014, resulting in a positive change of 49.01%.This indicates that the balance sheet and financial strength for The Middleburg Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The Middleburg Bank has increased its total deposits by $41.84 million, resulting in 4.34% 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.



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 $1.25 billion in assets with $127.43 million in equity, resulting in a capitalization level of 10.22%, which is above average.

Institution Statistics

FDIC Certificate #6881
Year Established1924
Primary RegulatorFED
Assets and Liabilities
Assets$1.25 billion
Loans$729.08 million
Deposits$1.01 billion
Equity Capital$115.92 million
Loan Loss Allowance$11.51 million
Unbacked Noncurrent Loans$10.76 million
Real Estate Owned$4.36 million
Historic Data - June 2013
Assets$1.21 billion
Equity Capital$110.06 million
Loan Loss Allowance$13.62 million
Unbacked Noncurrent Loans$10.76 million
Real Estate Owned$7.57 million
Profit Margin - Quarterly
Return on Assets0.66%
Return on Equity7.2%
Interest Income$22.04 million
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The Middleburg Bank Savings Account Rates

0.20%$5k-Hunt Club Savings Special

The Middleburg Bank CD Rates

0.57%$10k-3 Year CDARS
0.39%$10k-2 Year CDARS
0.28%$10k-1 Year CDARS
0.21%$10k-6 Month CDARS
0.19%$10k-3 Month CDARS
0.16%$10k-1 Month CDARS

The Middleburg Bank has 12 locations. Click to view all The Middleburg Bank locations.