BlastPoint's Banking Scorecard

Martinsville First Savings Bank

under $100M Specialty: Mortgage VA FDIC cert 29685

Martinsville, VA

537 banks in the under $100M peer group nationally 5 in VA

Martinsville First Savings Bank has 2 strengths but faces 4 concerns

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

+ Efficiency Ratio 5.17% below tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 21.20% below tier average
- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.51% below tier average
- Net Interest Margin 0.88% below tier average

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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 ?	$32.4M -0.1% YoY +0.0% QoQ	-$29.8M	$62.3M -0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.0% YoY	Bottom 13.8% in tier
Total Loans ?	$18.6M -5.5% YoY -1.4% QoQ	-$15.7M	$34.3M -1.5% YoY	$10.6B +27.9% YoY	$3.2B +10.7% YoY	25%
Total Deposits ?	$25.2M -0.6% YoY +0.1% QoQ	-$26.6M	$51.8M -0.6% YoY	$14.1B +22.4% YoY	$4.8B +8.0% YoY	16%
Return on Assets ?	0.35% -25.3% YoY -13.6% QoQ	-0.51%	0.86% -3.6% YoY	1.15% +53.9% YoY	1.24% +13.1% YoY	24%
Net Interest Margin ?	2.99% -6.0% YoY -4.1% QoQ	-0.88%	3.87% +2.7% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	82.46% +5.3% YoY +3.0% QoQ	-5.17%	87.63% +2.3% YoY	65.58% -7.6% YoY	66.84% -3.8% YoY	31%
Delinquency Rate ?	1.07% -27.4% YoY -16.3% QoQ	-0.29%	1.36% +33.7% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	73.73% -5.0% YoY -1.5% QoQ	+9.62%	64.11% -0.9% YoY	79.34% +0.5% YoY	76.69% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	2.59% -7.8% YoY +30.0% QoQ	-21.20%	23.79% +0.5% YoY	25.27% -0.4% YoY	22.01% -1.1% YoY	Bottom 8.6% in tier
Nonperforming Asset Ratio ?	0.61% -31.3% YoY -17.4% QoQ	-0.16%	0.77% +28.7% YoY	0.55% +12.2% YoY	0.66% +19.3% YoY	34%
Tier 1 Capital Ratio ?	44.94% +8.5% YoY +2.6% QoQ	+18.17%	26.77% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	Top 8.0% in tier
Non-Interest Income / Assets ?	0.01% +100.3% YoY -60.0% QoQ	-0.66%	0.67% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.0% YoY	Bottom 4.7% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 44.94%

Peer Median: 26.77%

#44 of 537 Top 8.0% in under $100M

Top Weaknesses (7 metrics)

513

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#513 of 537 Bottom 4.7% in under $100M

492

Non-Interest-Bearing Deposit Share

funding

Value: 2.59%

Peer Median: 23.79%

#492 of 537 Bottom 8.6% in under $100M

464

Total Assets

size

Value: $32.45M

Peer Median: $62.28M

#464 of 537 Bottom 13.8% in under $100M

453

Total Deposits

size

Value: $25.20M

Peer Median: $51.83M

#453 of 537 Bottom 15.8% in under $100M

449

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.87%

#449 of 537 Bottom 16.6% in under $100M

410

Return on Assets

profitability

Value: 0.35%

Peer Median: 0.86%

#410 of 537 Bottom 23.8% in under $100M

404

Total Loans

size

Value: $18.58M

Peer Median: $34.29M

#404 of 537 Bottom 25.0% in under $100M