BlastPoint's Banking Scorecard

The Bank of Southside Virginia

$100M-$1B Specialty: Other VA FDIC cert 11580

Carson, VA

15 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
Deposits +2.4% year over year ($489.2M on the books).
Delinquency rate 0.08%.
Return on assets 3.74%.
Efficiency ratio 36.31% vs a 64.48% peer average.
Loan-to-deposit ratio 54.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA

View $100M-$1B leaderboard (VA) →

The Bank of Southside Virginia has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 0.3% in tier
+ Profitability Leader: Top 0.9% in tier
+ Credit Quality Leader: Top 1.4% in tier
+ Deposit Franchise: Top 38.1% in tier
+ Efficiency Ratio 28.16% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.2% in tier

Get updates when The Bank of Southside Virginia releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$670.3M +3.0% YoY +6.1% QoQ	+$283.7M	$386.6M +1.2% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	Top 14.0% in tier
Total Loans ?	$265.5M -11.5% YoY +1.5% QoQ	+$7.2M	$258.3M +1.7% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$489.2M +2.4% YoY +0.3% QoQ	+$162.4M	$326.7M +0.7% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	3.74% +110.3% YoY +113.7% QoQ	+2.42%	1.32% +10.8% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	Top 0.8% in tier
Net Interest Margin ?	4.65% +6.3% YoY +2.3% QoQ	+0.67%	3.99% +5.0% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	36.31% -31.8% YoY -36.6% QoQ	-28.16%	64.48% -3.2% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Top 2.1% in tier
Delinquency Rate ?	0.08% +231.2% YoY -17.8% QoQ	-0.84%	0.92% +15.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	54.28% -13.5% YoY +1.2% QoQ	-23.67%	77.95% +1.0% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	Top 11.9% in tier
Non-Interest-Bearing Deposit Share ?	39.52% +17.9% YoY +2.0% QoQ	+17.49%	22.03% -0.6% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	Top 5.0% in tier
Nonperforming Asset Ratio ?	0.04% +109.0% YoY -18.8% QoQ	-0.63%	0.67% +16.4% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	23.38% +12.4% YoY +4.6% QoQ	+7.47%	15.91% +1.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	Top 8.5% in tier
Non-Interest Income / Assets ?	1.36% +437.0% YoY	+0.79%	0.57% +7.6% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Top 2.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Noninterest-Bearing	39.5% +6.0pp YoY +0.8pp QoQ	+17.4pp	22.1%	26.2%	22.2%	95%
Brokered Deposits	n/a	n/a	7.9%	8.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	5.7% +1.9pp YoY -0.4pp QoQ	-5.9pp	11.6%	11.0%	12.5%	24%
CRE	17.0% +3.2pp YoY +2.1pp QoQ	-22.5pp	39.5%	46.9%	41.4%	13%
1-4 Family	7.5% +1.1pp YoY -0.1pp QoQ	-25.1pp	32.6%	32.6%	31.3%	8%
Consumer	68.5% -5.9pp YoY -2.1pp QoQ	+64.4pp	4.1%	8.0%	5.0%	100%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.2%	19.7%	n/a
Leverage Ratio	23.4% +2.6pp YoY +1.0pp QoQ	+11.2pp	12.2%	12.2%	12.6%	98%
Total Capital Ratio	n/a	n/a	19.9%	18.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	85 +9 (+11.8%) YoY +4 (+4.9%) QoQ	+26	58	1,956	482	80%
Assets per Employee ($)	$7.9M -7.9% YoY +1.1% QoQ	+$368K	$7.5M	$9.9M	$8.8M	66%
Branch Count	15 0 YoY 0 QoQ	+10	4	28	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	17%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	15%
Allowance Coverage	17.33x -65.9% YoY +19.6% QoQ	-6.83x	24.15x	9.47x	20.23x	88%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	18.4% +8.3pp YoY +9.7pp QoQ	+6.3pp	12.2%	12.0%	11.6%	84%
Cost of Funds (YTD)	0.2% -0.3pp YoY 0.0pp QoQ	-1.5pp	1.7%	1.7%	1.7%	1%
Net Income ($, YTD)	$12.2M +106.6% YoY — QoQ	+$9.6M	$2.6M	$137.1M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (4)

Revenue Diversifier

growth

#3 of 661 • Top 0.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.36%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 3.74%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Profitability Leader

growth

#7 of 661 • Top 0.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.74%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#10 of 659 • Top 1.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Deposit Franchise

growth

#107 of 278 • Top 38.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.52%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.65%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#142 of 1256 • Bottom 11.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (11 metrics)

Return on Assets

profitability

Value: 3.74%

Peer Median: 1.32%

#21 of 2643 Top 0.8% in $100M-$1B

Efficiency Ratio

profitability

Value: 36.31%

Peer Median: 64.48%

#56 of 2643 Top 2.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.36%

Peer Median: 0.57%

#67 of 2643 Top 2.5% in $100M-$1B

133

Non-Interest-Bearing Deposit Share

funding

Value: 39.52%

Peer Median: 22.03%

#133 of 2643 Top 5.0% in $100M-$1B

225

Tier 1 Capital Ratio

capital

Value: 23.38%

Peer Median: 15.91%

#225 of 2643 Top 8.5% in $100M-$1B

315

Loan-to-Deposit Ratio

liquidity

Value: 54.28%

Peer Median: 77.95%

#315 of 2643 Top 11.9% in $100M-$1B

372

Total Assets

size

Value: $670.32M

Peer Median: $386.57M

#372 of 2643 Top 14.0% in $100M-$1B

420

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.99%

#420 of 2643 Top 15.9% in $100M-$1B

522

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#522 of 2643 Top 19.7% in $100M-$1B

568

Total Deposits

size

Value: $489.15M

Peer Median: $326.73M

#568 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available