BlastPoint's Banking Scorecard

The Bank of Southside Virginia

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

Carson, VA

15 branches across VA

2664 banks in the $100M-$1B peer group nationally 22 in VA

The Bank of Southside Virginia has 4 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

+ Deposit Franchise: Top 51.5% in tier
+ ROA 0.46% above tier average
+ Efficiency Ratio 7.75% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$631.7M -4.9% YoY -3.0% QoQ	+$245.6M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$261.6M -15.6% YoY -5.8% QoQ	+$5.9M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$487.7M -0.8% YoY +1.6% QoQ	+$159.7M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.73% +6.7% YoY -11.6% QoQ	+0.46%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	4.52% +4.7% YoY +1.3% QoQ	+0.59%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	57.54% +3.2% YoY +12.5% QoQ	-7.75%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.10% +224.1% YoY +2.6% QoQ	-0.79%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	53.65% -14.9% YoY -7.3% QoQ	-22.99%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	Top 12.4% in tier
Non-Interest-Bearing Deposit Share ?	38.73% +13.4% YoY +14.7% QoQ	+16.71%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	Top 5.9% in tier
Nonperforming Asset Ratio ?	0.05% +124.7% YoY +0.2% QoQ	-0.59%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	22.32% +11.7% YoY +2.1% QoQ	+6.49%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	Top 9.5% in tier
Non-Interest Income / Assets ?	0.12% +8.1% YoY -83.1% QoQ	-0.16%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	62%

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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 (1)

Deposit Franchise

growth

#141 of 272 • Top 51.5% 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: 38.73%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.52%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#171 of 1308 • Bottom 13.0% in tier

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

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

159

Non-Interest-Bearing Deposit Share

funding

Value: 38.73%

Peer Median: 22.02%

#159 of 2664 Top 5.9% in $100M-$1B

254

Tier 1 Capital Ratio

capital

Value: 22.32%

Peer Median: 15.83%

#254 of 2664 Top 9.5% in $100M-$1B

332

Loan-to-Deposit Ratio

liquidity

Value: 53.65%

Peer Median: 76.64%

#332 of 2664 Top 12.4% in $100M-$1B

459

Total Assets

size

Value: $631.66M

Peer Median: $386.08M

#459 of 2664 Top 17.2% in $100M-$1B

463

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.93%

#463 of 2664 Top 17.3% in $100M-$1B

566

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.27%

#566 of 2664 Top 21.2% in $100M-$1B

576

Total Deposits

size

Value: $487.67M

Peer Median: $327.97M

#576 of 2664 Top 21.6% in $100M-$1B

587

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#587 of 2664 Top 22.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available