Benchmark Community Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Benchmark Community Bank's savings rates are at 0.10%. Benchmark Community Bank's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of Benchmark Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.83%. Rates were last updated on 03/02/2026.
Rate Updates and AvailabilityBenchmark Community Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Benchmark Community Bank? Share your experience about Benchmark Community Bank by leaving a review below, or read customer reviews before you decide to use Benchmark Community Bank. Benchmark Community Bank Texas RatioBenchmark Community Bank's Texas Ratio is at 1.83%, which is considered excellent. The Texas Ratio for Benchmark Community Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Benchmark Community Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Benchmark Community Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
Benchmark Community Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
Benchmark Community Bank CD Rates
Benchmark Community Bank Savings Rates
Benchmark Community Bank Money Market Rates
Benchmark Community Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Benchmark Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Benchmark Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Benchmark Community Bank's official website for the most current offers and terms.
Bank Profile & OverviewBenchmark Community Bank
100 S Broad StKenbridge, VA 23944 Lunenburg Established Date: 09/08/1971 FDIC Certificate #: 20484 Date of FDIC Deposit Insurance: 09/08/1971 Bank Holding Company: BENCHMARK BANKSHARES INC How Many Domestic U.S. Offices? 18 How Many Branches are There? 18 Website: https://www.bcbonline.com
Is Benchmark Community Bank FDIC Insured? Yes
What is Benchmark Community Bank's Cert number? 20484
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
1.83%
Return on Assets (ROA):
1.4302%
Return on Equity (ROE):
17.2700%
Non-Performing Loans (NPL):
0.13%
Total Assets:
$1,366,254,000
Total Deposits:
$1,225,950,000
Equity Capital:
$126,736,000
Net Income:
$19,982,000
Headquarters:
Kenbridge
Regulator:
FED
# of Offices:
18
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsKcfB
December 17, 2025
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Add Your Rating and Review for Benchmark Community Bank
Frequently Asked Questions About Benchmark Community BankHow do I open an account at Benchmark Community Bank?You can typically open an account at Benchmark Community Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Benchmark Community Bank provides a range of mortgage and home equity products. Is Benchmark Community Bank a safe place to deposit money?Yes, Benchmark Community Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Benchmark Community Bank offer online and mobile banking?Most modern institutions like Benchmark Community Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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