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Burke & Herbert Bank & Trust Company
Alexandria, VA·FDIC Cert #11578·Charter: STATE·Est. 18520101.0·HC: BURKE&HERBERT FINL SERVICES
Total Assets
$7.9B
Q4 2025
Return on Assets
1.69%
+0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.41%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.69%+0.01
ROE
15.17%-0.09
Efficiency
48.41%-0.10
Equity/Assets
0.00%+0.00
NPL Ratio
1.40%-0.23
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.99%-2.58
Charge-offs
0.05%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | -0.1 | 0.7 | 0.9 | 1.6 | 1.6 | 1.7 | 1.7 |
| ROE | 8.2 | -0.6 | 7.1 | 8.8 | 14.7 | 15.1 | 15.3 | 15.2 |
| Efficiency | 74.5 | 73.6 | 63.6 | 63.6 | 50.4 | 49.4 | 48.5 | 48.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.3 | 0.6 | 0.7 | 0.7 | 1.2 | 1.5 | 1.6 | 1.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 |
| Loan/Deposit | 70.1 | 83.3 | 83.3 | 85.9 | 85.2 | 86.4 | 85.6 | 83.0 |
Balance Sheet
Total Assets$7.9B
Total Deposits$6.4B
Total Loans$5.3B
Total Equity$923.5M
Profitability
ROA1.69%
ROE15.17%
Efficiency Ratio48.41%
Net Income$133.1M
Risk & Asset Quality
NPL Ratio1.40%
Charge-off Rate0.05%
Loan/Deposit82.99%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans