Burke & Herbert Bank & Trust Company
Headquarters
100 S Fairfax St
Alexandria, VA 22314
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2026 Overview
General Bank Information
Burke & Herbert Bank & Trust Company is an FDIC insured institution located in Alexandria, VA. It was founded in 1852 and has approximately $10.98 billion in assets. Customers can open an account at one of its 25 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 11578 |
| Date Established | 1852 |
| Assets | $ 10.98 billion |
| Loans | $ 5.34 billion |
| Deposits | $ 6.34 billion |
| Capital | $ 935.19 million |
For a more detailed analysis of Burke & Herbert Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 3, 2026
Your Current Location: Virginia, VA
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Online Only CD Rates of SFGI Direct, a division of Burke & Herbert Bank & Trust Company
| Online CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month CD
|
4.09% | $1,000 | - |
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|
| 12 Month CD
|
4.20% | $1,000 | - |
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|
| 18 Month CD
|
4.30% | $1,000 | - |
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|
Get rate alerts on the go. Download our BestCashCow App.
Bank Online Offers
SGFI Direct Lowers Its Online Savings Rate
Feb 20, 2020
SGFI Direct has lowered its online savings rate from 1.91% APY to 1.86% APY.
Loan Rates - October 3, 2026
Your Current Location: Virginia, VA
There are currently no loan rates available for Burke & Herbert Bank & Trust Company
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2026
Featured - Virginia Home Equity Line Of Credit Rates 2026
Note to Burke & Herbert Bank & Trust Company
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Branches
Burke & Herbert Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Warrenton,Virginia
Burke & Herbert Bank & Trust Company Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 18.88 | A | View Lobby Hours | |
| 24.88 | B | View Lobby Hours | |
| 27.60 | C | View Lobby Hours | |
| 29.05 | D | View Lobby Hours | |
| 30.22 | E | View Lobby Hours | |
| 31.27 | F | View Lobby Hours | |
| 31.76 | G | View Lobby Hours | |
| 33.74 | H | View Lobby Hours | |
| 33.86 | I | View Lobby Hours | |
| 35.30 | J | View Lobby Hours | |
| 36.12 | K | View Lobby Hours | |
| 36.58 | L | View Lobby Hours | |
| 36.63 | M | View Lobby Hours | |
| 37.27 | N | View Lobby Hours | |
| 37.35 | O | View Lobby Hours | |
| 37.81 | P | View Lobby Hours | |
| 39.25 | Q | View Lobby Hours | |
| 39.27 | R | View Lobby Hours | |
| 39.59 | S | View Lobby Hours | |
| 40.14 | T | View Lobby Hours | |
| 40.51 | U | View Lobby Hours | |
| 40.91 | V | View Lobby Hours | |
| 41.26 | W | View Lobby Hours | |
| 41.46 | X | View Lobby Hours | |
| 41.58 | Y | View Lobby Hours |
Climate Policy and Initiatives
Burke & Herbert Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Burke & Herbert Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Burke & Herbert Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Burke & Herbert Bank & Trust Company | U.S. Bank Average |
|---|---|
| 8.14% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, Burke & Herbert Bank & Trust Company had $78,559,000 in non-current loans and $3,106,000 in owned real estate. To cover these potential losses it had $935,191,000 in equity and $67,955,000 in loans loss reserves. That gives it a Texas Ratio of 8.14%.
Return on Equity
| Burke & Herbert Bank & Trust Company | U.S. Bank Average |
|---|---|
| 8.92% | 10.69% |
Burke & Herbert Bank & Trust Company has a Return on Equity of 8.92% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Burke & Herbert Bank & Trust Company | U.S. Bank Average |
|---|---|
| 8.51% | 11.75% |
Burke & Herbert Bank & Trust Company has a Capitalization of 8.51% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Burke & Herbert Bank & Trust Company Balance Sheet Analysis
As of March 31, 2026, Burke & Herbert Bank & Trust Company had assets of $10,984,290,000, loans of $5,336,712,000, and deposits of $6,338,024,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 68.72 million |
| Interest-bearing balances | $ 15.65 million |
| Total securities | $ 1,826.04 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 5.34 billion |
| Loan loss allowance | $ 67.96 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 3.11 million |
| Goodwill and other intangibles | $ 75.27 million |
| All other assets | $ 207.01 million |
| Total Assets | $ 6.98 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 6.34 billion |
| Interest-bearing deposits | $ 4.97 billion |
| Deposits held in domestic offices | $ 6.34 billion |
| % insured (estimated) | 67.52% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 312.82 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 21.44 million |
| Total Liabilities | $ 6.98 billion |
| Shareholders’ Equity | $ 4.01 billion |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 105.38 million |
| Total Interest Expense | $ 31.35 million |
| Net interest income | $ 74.03 million |
| Provision for loan and lease losses | $ 0.01 million |
| Total non interest income | $ 10.67 million |
| Total non interest expense | $ 47.85 million |
| Pre-tax Net Operating Income | $ 23.25 million |
Bank Loan Profile?
The top three loan types in Burke & Herbert Bank & Trust Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.
Compared to other banks, Burke & Herbert Bank & Trust Company’s loan portfolio does not show any specific loan specialty.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 8.27 | ✓ | ||
| Multifamily Mortgages |
1.99 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.00 | ✓ | ||
| Small Business Loans | 4.74 | ✓ | ||
| Construction and Development Loans | 2.23 | ✓ | ||
| Commercial Real Estate | 19.39 | ✓ | ||
| Commercial and Industrial Loans | 0.77 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
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