BlastPoint's Banking Scorecard

Primis Bank

$1B-$10B Specialty: Commercial VA FDIC cert 57968

Tappahannock, VA

28 branches across VA · MD

884 banks in the $1B-$10B peer group nationally 24 in VA

Primis Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 1.92% above tier average
- Loan-to-Deposit Ratio 19.91% above tier average
- Nonperforming Asset Ratio 1.69% above tier average
- ROA 0.42% below tier average
- Net Interest Margin 0.24% below tier average
- Efficiency Ratio 9.58% above 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 ?	$4.2B +15.6% YoY +5.2% QoQ	+$1.4B	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$3.6B +16.3% YoY +5.0% QoQ	+$1.6B	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	Top 14.0% in tier
Total Deposits ?	$3.4B +7.5% YoY -0.0% QoQ	+$1.1B	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	0.95% +72.6% YoY -16.2% QoQ	-0.42%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.58% +7.7% YoY +6.3% QoQ	-0.24%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	70.64% -7.6% YoY +16.1% QoQ	+9.58%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	2.80% +487.6% YoY +10.3% QoQ	+1.92%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Bottom 5.2% in tier
Loan-to-Deposit Ratio ?	104.12% +8.1% YoY +5.0% QoQ	+19.91%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	Bottom 7.9% in tier
Non-Interest-Bearing Deposit Share ?	14.43% +0.4% YoY -9.0% QoQ	-6.86%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	2.36% +491.1% YoY +10.1% QoQ	+1.69%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	Bottom 4.6% in tier
Tier 1 Capital Ratio ?	10.51% -4.1% YoY -2.2% QoQ	-4.65%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	Bottom 9.0% in tier
Non-Interest Income / Assets ?	0.32% +59.8% YoY -86.3% QoQ	+0.06%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	Top 11.7% 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 884 peers in $1B-$10B

Top Strengths (4 metrics)

104

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.26%

#104 of 884 Top 11.7% in $1B-$10B

125

Total Loans

size

Value: $3.57B

Peer Median: $1.96B

#125 of 884 Top 14.0% in $1B-$10B

164

Total Assets

size

Value: $4.24B

Peer Median: $2.82B

#164 of 884 Top 18.4% in $1B-$10B

173

Total Deposits

size

Value: $3.43B

Peer Median: $2.34B

#173 of 884 Top 19.5% in $1B-$10B

Top Weaknesses (5 metrics)

844

Nonperforming Asset Ratio

credit_quality

Value: 2.36%

Peer Median: 0.67%

#844 of 884 Bottom 4.6% in $1B-$10B

835

Delinquency Rate

credit_quality

Value: 2.80%

Peer Median: 0.89%

#835 of 880 Bottom 5.2% in $1B-$10B

815

Loan-to-Deposit Ratio

liquidity

Value: 104.12%

Peer Median: 84.20%

#815 of 884 Bottom 7.9% in $1B-$10B

805

Tier 1 Capital Ratio

capital

Value: 10.51%

Peer Median: 15.16%

#805 of 884 Bottom 9.0% in $1B-$10B

697

Efficiency Ratio

profitability

Value: 70.64%

Peer Median: 61.06%

#697 of 884 Bottom 21.3% in $1B-$10B