Overview / Commentary
540-967-2111
408 East Main Street
Louisa, VA 23093

Virginia Community Bank is headquartered in Louisa and is the 52nd largest bank in the state of Virginia. It is also the 2,468th largest bank in the nation. It was established in 1976 and as of September of 2018, it had grown to 61 employees at 8 locations. Virginia Community Bank's money market rates are 14% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #22331
Year Established1976
Employees61
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.35%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$254.6MM$242.2MM
LoansQ3 2018vs Q3 2017$175.0MM$174.2MM
DepositsQ3 2018vs Q3 2017$218.5MM$209.6MM
Equity CapitalQ3 2018vs Q3 2017$25.7MM$24.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.5MM$2.5MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$317.00K$966.00K
Real Estate OwnedQ3 2018vs Q3 2017$147.00K$145.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Virginia Community Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Virginia Community Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$20-Regular Savings Account
0.30%$20-IRA Savings

Virginia Community Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$500k*-Money Market Account
OTHER TIERS: 0.25% $20 - $10k | 0.30% $10k - $50k | 0.35% $50k - $100k | 0.40% $100k - $200k | 0.45% $200k - $500k

Virginia Community Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$20-Hometown Interest Checking Account
0.25%$20-Neighborhood Business Interest Checking

Virginia Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Month CD
1.51%$5k-15 Month Promotional CD (New Money Only)
1.26%$500-48 Month CD
1.00%$500-36 Month CD
0.85%$500-24 Month CD
0.50%$500-12 Month CD
0.35%$1k-182 Day CD
0.25%$1k-91 Day CD

Virginia Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Month IRA
1.26%$500-48 Month IRA
1.00%$500-36 Month IRA
0.75%$500-24 Month IRA
0.50%$500-12 Month IRA
Locations


Virginia Community Bank Locations
Zion Crossroads Branch10050 Three Notch RoadTroy, VA 22974
Breezewood Branch10645 Courthouse RoadFredericksburg, VA 22401
Orange Branch185 Madison RoadOrange, VA 22960
Culpeper Office Branch701 South Main StreetCulpeper, VA 22701
Courthouse BranchMain Street and Cutler AvenueLouisa, VA 23093
Mineral BranchMineral Avenue and Fourth StreetMineral, VA 23117
Virginia Community Bank408 East Main StreetLouisa, VA 23093
Corporate Office Branch114 Industrial DriveLouisa, VA 23093

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