($000) Capital Category Is Defined As

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($000) Capital Category Is Defined As Data as of 03/31/19 All Dollars in Thousands ($000) Capital Category is defined as: 1 = Well Capitalized 2 = Adequately Capitalized 3 = Undercapitalized 4 = Significantly Undercapitalized 5 = Critically Undercapitalized Core Core NonAcc Risk-Adj Cap/Adj Cap/Risk Lns & PD 90+ OREO/Tot Return on Return on Capital Capital Total Wtd Ls/Total :Lns & Ls al Loans & Average Average Total Equity No. Bank Name City ST Cert # Category Ratio Assets Assets Lns /Total Lns OREO Assets Equity Total Assets Capital 1 American Express National Bank Salt Lake City UT 27471 1 14.16 9.44 12.06 0.34 0.46 0.00 4.42 46.32 122,976,012.00 11,567,121.00 2 American Savings Bank, F.S.B. Honolulu HI 32526 1 13.93 8.65 12.76 0.83 0.00 0.00 1.18 13.04 7,062,367.00 644,187.00 3 Atlantic Community Bankers Bank Camp Hill PA 24829 1 23.01 13.83 21.82 0.11 0.06 0.08 0.83 6.06 771,768.00 104,358.00 4 Atlantic Union Bank Richmond VA 34589 1 12.45 11.25 12.13 0.21 0.20 0.08 1.07 6.87 16,868,630.00 2,706,978.00 5 Bank of America, National Association Charlotte NC 3510 1 13.63 8.95 12.64 0.55 0.31 0.04 1.65 13.92 1,775,353,000.00 210,085,000.00 6 Bank of Botetourt Buchanan VA 6137 1 14.12 10.81 13.14 0.21 0.63 0.95 1.04 9.87 457,731.00 47,241.00 7 Bank of Charles Town Charles Town WV 9023 1 16.12 10.75 15.13 0.45 0.00 0.04 0.57 5.55 496,314.00 49,936.00 8 Bank of Charlotte County Phenix VA 14491 1 22.74 15.23 21.49 0.16 0.19 0.00 1.45 9.62 140,638.00 21,251.00 9 Bank of Clarendon Manning SC 15671 1 23.54 14.28 22.57 0.14 0.08 0.65 1.43 10.41 281,228.00 38,874.00 10 Bank of Clarke County Berryville VA 6123 1 14.66 10.91 13.75 0.53 0.00 0.02 1.36 12.64 801,662.00 86,599.00 11 Bank of Fincastle Fincastle VA 6128 1 16.42 11.89 15.15 1.29 0.14 1.78 0.42 3.42 214,506.00 25,676.00 12 Bank of Greeleyville Greeleyville SC 15113 1 19.19 11.72 18.19 0.89 0.00 0.00 1.69 14.74 90,553.00 10,729.00 13 Bank of Hawaii Honolulu HI 18053 1 13.34 7.15 12.22 0.14 0.06 0.03 1.38 19.76 17,418,683.00 1,203,623.00 14 Bank of Marion Marion VA 9507 1 20.94 11.93 19.72 0.49 0.49 0.08 1.15 9.75 380,703.00 45,026.00 15 Bank of Ocean City Ocean City MD 5867 1 14.56 10.91 13.84 0.00 0.00 0.00 1.44 13.44 332,830.00 36,151.00 16 Bank of Romney Romney WV 845 1 20.33 11.98 19.38 2.00 0.29 0.29 0.98 9.61 288,016.00 29,729.00 17 Bank of Southside Virginia Carson VA 11580 1 30.30 18.22 29.05 0.03 0.01 0.24 1.64 9.24 570,749.00 101,047.00 18 Bank of the James Lynchburg VA 35207 1 11.78 9.31 10.97 0.67 0.00 0.41 0.79 8.80 684,781.00 61,782.00 19 Bank of the Lowcountry Walterboro SC 27496 1 18.04 10.64 16.96 0.72 0.00 1.71 1.00 9.80 224,821.00 22,840.00 20 Bank of the West San Francisco CA 3514 1 13.20 10.25 12.25 0.44 0.00 0.01 0.72 5.14 88,165,163.00 12,408,709.00 21 Bank OZK Little Rock AR 110 1 14.45 14.52 12.66 0.46 0.00 0.08 1.96 11.57 23,005,652.00 3,882,643.00 22 BCBank, Inc. Philippi WV 20215 1 15.04 9.99 13.91 0.29 0.00 1.61 0.40 4.38 138,119.00 12,621.00 23 Benchmark Community Bank Kenbridge VA 20484 1 16.89 10.87 15.77 0.22 0.30 0.32 1.28 11.90 704,721.00 72,441.00 24 Berkshire Bank Boston MA 23621 1 12.23 8.99 11.63 0.34 0.23 0.02 0.79 6.18 12,148,776.00 1,565,591.00 25 Blue Ridge Bank Walhalla SC 17773 1 20.49 9.61 19.23 1.66 0.00 1.00 0.70 7.30 132,397.00 13,010.00 26 Blue Ridge Bank, National Association Martinsville VA 35274 1 12.74 9.35 11.87 1.08 0.11 0.01 1.04 10.95 574,071.00 55,083.00 27 blueharbor bank Mooresville NC 58691 1 15.92 13.36 14.96 0.67 0.00 0.35 1.08 8.23 226,154.00 29,227.00 28 BMO Harris Bank, National Association Chicago IL 16571 1 12.86 10.84 11.71 1.04 0.08 0.02 1.04 7.77 122,895,214.00 16,264,567.00 29 BMW Bank of North America Salt Lake City UT 35141 1 16.32 15.12 16.01 0.17 0.00 0.00 1.41 8.95 10,283,923.00 1,548,548.00 30 BOKF, National Association Tulsa OK 4214 1 11.21 8.32 10.34 0.70 0.46 0.05 1.12 11.80 39,778,824.00 4,326,433.00 31 Branch Banking and Trust Company Winston-Salem NC 9846 1 13.24 9.49 11.27 0.31 0.30 0.04 1.55 12.01 219,793,000.00 28,680,000.00 32 Burke & Herbert Bank & Trust Company Alexandria VA 11578 1 17.16 11.97 16.35 0.69 0.03 0.02 1.14 9.67 3,003,568.00 352,722.00 33 Calhoun County Bank, Inc. Grantsville WV 9024 1 17.43 10.57 16.18 1.37 0.22 0.08 0.44 4.43 145,298.00 14,473.00 34 Capital Bank, National Association Rockville MD 35278 1 12.23 9.05 10.98 0.66 0.04 0.01 1.21 13.50 1,088,238.00 97,188.00 35 Capital One Bank (USA), National Association Glen Allen VA 33954 1 18.46 14.46 16.41 0.02 1.88 0.00 2.74 18.92 117,027,993.00 17,240,857.00 36 Capital One, National Association McLean VA 4297 1 14.69 9.13 13.50 0.50 0.21 0.00 0.92 7.05 306,750,800.00 40,697,413.00 37 Capon Valley Bank Wardensville WV 9998 1 16.12 11.36 15.01 1.53 0.12 0.95 0.68 6.03 157,981.00 17,560.00 38 Carolina Trust Bank Lincolnton NC 57026 1 13.25 10.64 12.45 0.46 0.00 0.46 0.45 4.47 620,621.00 72,607.00 39 Carroll Community Bank Sykesville MD 32393 1 12.79 8.88 11.99 2.35 0.00 1.16 0.02 0.26 193,803.00 17,266.00 40 Carter Bank & Trust Martinsville VA 58596 1 14.86 9.85 13.61 1.74 0.00 1.06 0.74 6.81 4,097,982.00 449,769.00 41 CenterState Bank Winter Haven FL 33555 1 13.05 10.29 12.62 0.42 0.09 0.07 1.48 9.00 12,582,370.00 2,058,903.00 42 CFG Community Bank Baltimore MD 34294 1 19.53 17.09 18.24 1.61 0.00 0.00 1.84 9.77 925,640.00 164,451.00 43 Chain Bridge Bank, National Association McLean VA 58595 1 18.63 8.84 17.39 0.00 0.00 0.00 0.58 6.50 614,908.00 49,200.00 44 Chase Bank USA, National Association Houston TX 23702 1 16.39 19.70 14.31 0.00 0.93 0.00 2.52 9.27 141,373,959.00 36,957,737.00 45 Chesapeake Bank Kilmarnock VA 6862 1 15.35 10.82 14.31 1.25 0.00 0.47 1.45 13.06 889,773.00 98,356.00 46 Citizens and Farmers Bank Toano VA 10363 1 14.69 10.98 13.42 0.19 0.03 0.02 1.11 9.64 1,545,590.00 174,112.00 47 Citizens Bank Olanta SC 15932 1 14.48 9.67 13.62 0.63 0.04 0.11 1.08 10.57 555,797.00 56,862.00 48 Citizens Bank and Trust Company Blackstone VA 823 1 23.92 13.58 22.86 0.16 0.13 1.53 1.53 11.88 400,766.00 51,307.00 49 Citizens Bank of West Virginia, Inc.
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