Total Assets
$222.8M
Total Deposits
$194.5M
Branches
6
Established
1912
The Bank of Charlotte County is a bank headquartered in Phenix, Virginia, established in 1912. It holds $222.8M in total assets across 6 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Bank of Charlotte County earns a TFS Financial Health Grade of A+ (94.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
94.8 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Bank of Charlotte CountyHQ | 101 Berkley Street | Phenix | VA | 11 |
| The Bank of Charlotte County | 308 Lynchburg Avenue | Brookneal | VA | 11 |
| The Bank of Charlotte County | 111 David Bruce Ave | Charlotte Court House | VA | 11 |
| The Bank of Charlotte County | 4767 Drakes Main Street | Drakes Branch | VA | 11 |
| The Bank of Charlotte County | 208 King St | Keysville | VA | 11 |
| The Bank of Charlotte County | 514 East Atlantic Street | South Hill | VA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
94.8
Tier 1 capital ratio
12.79%
Return on assets
3.44%
Non-performing loans
0.33%
Efficiency ratio
44.61%
Asset growth (YoY)
7.30%
Suggested direct comparisons
Richmond City, VA
$38.0B
$257.3M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.