When appropriate the Federal Reserve Bank of Richmond uses Rand McNally Areas (RMAs) when defining banking markets. RMAs are metropolitan areas defined by Rand McNally and are located in its Commercial Atlas and Marketing Guide. Since the RMAs are continuously being revised and updated by Rand McNally, these areas should be verified using the Rand McNally Commercial Atlas and Marketing Guide.
When a county returns more than one banking market definition, this county has been split by an RMA and portions of the county are present in both banking market definitions.
| Banking Market | Description |
|---|---|
| Abingdon | Includes Washington County (excludes the Johnson City -- Kingsport -- Bristol, TN-VA RMA portion) |
| Alleghany | Includes the counties of Alleghany and Bath; and the independent city of Covington |
| Bedford | Includes the independent city of Bedford and Bedford County (excludes the Lynchburg RMA and the Roanoke RMA portions) |
| Bland | Not yet defined |
| Bluefield, WV-VA | Includes Mercer County, WV, and the area north of and including Bluefield, VA |
| Buchanan | Buchanan County |
| Buckingham | Buckingham County |
| Charlotte | Charlotte County |
| Charlottesville | Includes the RMA, the non-RMA portion of Albemarle County, the independent city of Charlottesville; the town of Louisa in Louisa County; plus the counties of Fluvanna, Greene, and Nelson |
| Craig | Craig County |
| Culpeper | Culpeper County |
| Danville, VA-NC | Includes the RMA, the non-RMA portion of Pittsylvania County, VA (excludes the small area around Hurt), and the independent city of Danville, VA |
| Dickenson | Dickenson County |
| Eastern Shore, VA-MD | Includes the counties of Accomack and Northampton, VA, and the area south of Routes 365 and 113 including the towns of Pocomoke City and Snow Hill in Worcester County, MD |
| Emporia | Includes the independent city of Emporia and Greensville County |
| Essex and Richmond | Includes the counties of Essex and Richmond; Westmoreland County (excludes the Fredericksburg portion); and the town of Callao in Northumberland County. |
| Farmville | Includes the counties of Cumberland and Prince Edward |
| Floyd | Floyd County |
| Franklin | Includes the independent city of Franklin and Southampton County |
| Fredericksburg | Includes the independent city of Fredericksburg, the counties of Caroline, King George, Spotsylvania, and Stafford (excludes the Washington, DC-MD-VA RMA portion); the town of Lake Anna in Louisa County; and the towns of Colonial Beach, Leedstown, Oak Grove, and Potomac Beach in Westmoreland County |
| Galax | Includes the independent city of Galax and the counties of Carroll (excludes the Mount Airy, NC-VA banking market portion) and Grayson |
| Giles | Giles County |
| Harrisonburg | Includes the independent city of Harrisonburg and Rockingham County |
| Isle of Wight | Isle of Wight County (excludes the Newport News -- Hampton RMA portion) |
| Johnson City -- Kingsport -- Bristol, TN-VA | Includes the RMA's, the non-RMA portions of the counties of Carter and Washington, TN and Scott, VA; the independent city of Bristol, VA; plus Unicoi County, TN |
| Lancaster | Lancaster County |
| Lexington | Includes the independent cities of Lexington and Buena Vista, and Rockbridge County |
| Lynchburg | Includes the Lynchburg RMA and the non-RMA portions of the counties of Amherst, Appomattox, Campbell, and the independent city of Lynchburg |
| Madison | Madison County |
| Martinsville, VA-NC | Includes the RMA, the non-RMA portion of Henry County, VA and the independent city of Martinsville, VA |
| Mecklenburg | Includes the counties of Mecklenburg, Lunenburg, and Brunswick |
| Middlesboro, KY-TN-VA | Includes the counties of Bell, Kentucky; Claiborne, Tennessee; and the western portion of Lee County, VA (towns of Ewing and Rose Hill) |
| Middlesex | Middlesex County |
| Mount Airy, NC-VA | Includes Surry County, NC, the town of Ararat in Patrick County, VA, and the portion of Carroll County, VA south of the Blue Ridge Parkway |
| Newport News -- Hampton | Includes the RMA, the non-RMA portion of James City County, Mathews County, and the independent cities of Hampton, Newport News, Poquoson, and Williamsburg |
| Norfolk -- Portsmouth, VA-NC | Includes the RMA, the Virginia independent cities of Chesapeake, Norfolk, Portsmouth, Suffolk, and Virginia Beach; plus Currituck County, NC |
| Northumberland | Northumberland County (excludes the town of Callao) |
| Norton | Includes the independent city of Norton, Wise County and Lee County (excluding Rose Hill and Ewing) |
| Nottoway | Nottoway County |
| Orange | Orange County |
| Page | Page County |
| Patrick | Patrick County (excludes the Mount Airy, NC-VA portion) |
| Pulaski -- Radford | Includes the independent city of Radford and the counties of Montgomery and Pulaski |
| Rappahannock | Rappahannock County |
| Richmond | Includes the RMA, the non-RMA portions of the counties of Chesterfield, Dinwiddie, Goochland, Hanover, Henrico, Powhatan, and Prince George; the independent cities of Colonial Heights, Hopewell, Petersburg, and Richmond; plus the counties of Amelia, Charles City, King and Queen, King William, New Kent; and the town of Mineral in Louisa County |
| Roanoke | Includes the RMA, the non-RMA portions of the counties of Botetourt, Franklin, and Roanoke; and the independent cities of Roanoke and Salem |
| Rockingham, VA-WV | Includes the counties of Rockingham, VA; Pendleton, WV; and the independent city of Harrisonburg |
| Russell | Russell County |
| Shenandoah | Shenandoah County (excludes the town of Strasburg) |
| Smyth | Smyth County |
| South Boston | Includes the independent city of South Boston and Halifax County |
| Staunton | Includes the independent cities of Staunton and Waynesboro; the counties of Highland and Augusta |
| Surry | Surry County |
| Sussex | Sussex County |
| Tazewell | Includes Tazewell County, minus the area north of and including Bluefield, Virginia |
| Warren | Warren County |
| Washington, DC-MD-VA-WV | Includes the RMA, the non-RMA portions of the counties of Calvert, Charles, Frederick, Prince George's and St. Mary's, MD, and Fauquier and Loudoun, VA; Jefferson County, WV; and the Virginia independent cities of Alexandria, Fairfax, Falls Church, and Manassas |
| Winchester, VA-WV | Includes the independent city of Winchester, VA, the counties of Clarke and Frederick, VA, and Hampshire, WV; and the town of Strasburg in Shenandoah County, VA |
| Wise | Includes the independent city of Norton, Wise County and Lee County (excludes Rose Hill and Ewing). |
| Wytheville | Includes Wythe County |
Elizabeth Marshall
Bank Structure Research Associate
(804) 697-8035
Sabrina R. Pellerin
Bank Structure Manager
(804) 697-8230