BlastPoint's Banking Scorecard
Martinsville First Savings Bank
Martinsville, 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 536 banks in the under $100M peer group nationwide — 1 of 4 in VA.
- Deposits -1.8% year over year ($24.8M on the books).
- Delinquency rate 0.65%.
- Return on assets 0.41%.
- Efficiency ratio 80.99% vs a 119.40% peer average.
- Loan-to-deposit ratio 72.87% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Martinsville First Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 38.40% below tier average
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.07% below tier average
- - Non-Interest Income / Assets 1.36% below tier average
- - ROA 0.58% below tier average
- - Net Interest Margin 0.88% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.1M
-1.0% YoY
-1.2% QoQ
|
-$30.4M |
$62.4M
-0.0% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.0% in tier |
| Total Loans ? |
$18.1M
-7.7% YoY
-2.8% QoQ
|
-$16.8M |
$34.9M
-0.6% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$24.8M
-1.8% YoY
-1.6% QoQ
|
-$26.8M |
$51.6M
-0.2% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.9% in tier |
| Return on Assets ? |
0.41%
+19.1% YoY
+20.1% QoQ
|
-0.58% |
1.00%
+3.5% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.03%
-3.9% YoY
+1.5% QoQ
|
-0.88% |
3.91%
+2.3% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
80.99%
-1.4% YoY
-1.8% QoQ
|
-38.40% |
119.40%
+49.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.65%
-53.4% YoY
-39.0% QoQ
|
-0.83% |
1.48%
+31.8% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
72.87%
-5.9% YoY
-1.2% QoQ
|
-1.34% |
74.21%
+12.6% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
1.42%
-69.9% YoY
-45.3% QoQ
|
-22.07% |
23.49%
+0.6% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.9% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-56.5% YoY
-40.0% QoQ
|
-0.47% |
0.84%
+23.0% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
46.86%
+11.9% YoY
+4.3% QoQ
|
+19.73% |
27.13%
+3.0% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
Top 8.4% in tier |
| Non-Interest Income / Assets ? |
0.02%
+203.2% YoY
+203.5% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
1.4%
-3.3pp YoY -1.2pp QoQ |
-23.2pp | 24.6% | 26.2% | 22.2% | 2% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 | n/a | n/a | 13.4% | 11.0% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 46.9% | 41.4% | n/a |
| 1-4 Family |
94.9%
-0.1pp YoY -0.1pp QoQ |
+59.9pp | 35.0% | 32.6% | 31.3% | 98% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-7.4pp | 7.7% | 8.0% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
46.9%
+5.0pp YoY +1.9pp QoQ |
+8.2pp | 38.7% | 17.2% | 19.7% | 86% |
| Leverage Ratio |
20.5%
+0.7pp YoY +0.4pp QoQ |
+2.8pp | 17.7% | 12.2% | 12.6% | 86% |
| Total Capital Ratio |
48.0%
+5.1pp YoY +1.9pp QoQ |
+8.3pp | 39.7% | 18.3% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 1,956 | 482 | 2% |
| Assets per Employee ($) |
$8.0M
-1.0% YoY -1.2% QoQ |
+$1.8M | $6.2M | $9.9M | $8.8M | 80% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 28 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.0% | 0.2% | 0.4% | 32% |
| Nonaccrual |
0.5%
-0.7pp YoY -0.4pp QoQ |
-1.2pp | 1.7% | 0.7% | 1.0% | 41% |
| Allowance Coverage |
1.32x
+127.8% YoY +61.4% QoQ |
-5.09x | 6.41x | 9.47x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.9%
+0.2pp YoY +0.3pp QoQ |
-4.5pp | 6.4% | 12.0% | 11.6% | 18% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.7% | 1.7% | 78% |
| Net Income ($, YTD) |
$67,000
+17.5% YoY — QoQ |
-$251K | $317,817 | $137.1M | $40.4M | 20% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.