BlastPoint's Banking Scorecard

Primis Bank

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

Tappahannock, VA

28 branches across VA · MD

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 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
Deposits +2.9% year over year ($3.5B on the books).
Delinquency rate 1.85%.
Return on assets 1.02%.
Efficiency ratio 68.02% vs a 59.73% peer average.
Loan-to-deposit ratio 105.67% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 23 in VA

View $1B-$10B leaderboard (VA) →

Primis Bank has 1 strength but faces 6 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

+ Revenue Diversifier: Top 37.4% in tier

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 20.64% above tier average
- Nonperforming Asset Ratio 0.89% above tier average
- ROA 0.37% below tier average
- Net Interest Margin 0.26% below tier average
- Efficiency Ratio 8.29% above tier average
- Delinquency Rate 0.99% above tier average

Get updates when Primis Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$4.3B +13.1% YoY +2.3% QoQ	+$1.5B	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$3.7B +13.7% YoY +2.2% QoQ	+$1.7B	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	Top 13.4% in tier
Total Deposits ?	$3.5B +2.9% YoY +0.7% QoQ	+$1.1B	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.02% +567.9% YoY +8.1% QoQ	-0.37%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	3.61% +12.8% YoY +0.8% QoQ	-0.26%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	68.02% -15.2% YoY -3.7% QoQ	+8.29%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	1.85% -24.0% YoY -33.9% QoQ	+0.99%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	Bottom 10.7% in tier
Loan-to-Deposit Ratio ?	105.67% +10.6% YoY +1.5% QoQ	+20.64%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	Bottom 7.0% in tier
Non-Interest-Bearing Deposit Share ?	13.68% -6.1% YoY -5.2% QoQ	-7.59%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	1.56% -23.5% YoY -34.0% QoQ	+0.89%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	Bottom 9.4% in tier
Tier 1 Capital Ratio ?	10.63% +2.5% YoY +1.1% QoQ	-4.21%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	Bottom 12.5% in tier
Non-Interest Income / Assets ?	0.81% +73.0% YoY +154.0% QoQ	+0.29%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Top 8.5% 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	13.7% -0.9pp YoY -0.8pp QoQ	-7.7pp	21.4%	26.2%	22.2%	22%
Brokered Deposits	n/a	n/a	9.5%	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	15.8% -1.8pp YoY -0.8pp QoQ	+1.8pp	14.0%	11.0%	12.5%	69%
CRE	37.7% -4.0pp YoY -0.9pp QoQ	-12.3pp	50.0%	46.9%	41.4%	20%
1-4 Family	22.5% -1.2pp YoY -0.1pp QoQ	-4.0pp	26.4%	32.6%	31.3%	48%
Consumer	7.4% -2.8pp YoY -0.4pp QoQ	+2.6pp	4.7%	8.0%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	10.6% +0.3pp YoY +0.1pp QoQ	-5.0pp	15.6%	17.2%	19.7%	5%
Leverage Ratio	9.5% +0.2pp YoY -0.2pp QoQ	-1.8pp	11.3%	12.2%	12.6%	22%
Total Capital Ratio	11.9% +0.3pp YoY +0.1pp QoQ	-4.8pp	16.7%	18.3%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	601 +19 (+3.3%) YoY -2 (-0.3%) QoQ	+287	313	1,956	482	89%
Assets per Employee ($)	$7.2M +9.5% YoY +2.7% QoQ	-$3.3M	$10.5M	$9.9M	$8.8M	26%
Branch Count	28 0 YoY 0 QoQ	+8	20	28	18	80%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.6pp YoY -0.3pp QoQ	0.0pp	0.2%	0.2%	0.4%	84%
Nonaccrual	1.7% 0.0pp YoY -0.7pp QoQ	+0.9pp	0.8%	0.7%	1.0%	89%
Allowance Coverage	0.68x +15.6% YoY +46.7% QoQ	-18.03x	18.71x	9.47x	20.23x	11%
Net Charge-off Rate (YTD)	0.4% -0.7pp YoY +0.3pp QoQ	+0.1pp	0.3%	0.2%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	9.1% +7.7pp YoY +0.8pp QoQ	-3.5pp	12.6%	12.0%	11.6%	27%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.7%	1.7%	66%
Net Income ($, YTD)	$21.5M +652.9% YoY — QoQ	+$2.3M	$19.2M	$137.1M	$40.4M	72%

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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)

Revenue Diversifier

growth

#84 of 222 • Top 37.4% 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: 0.81%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.02%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.81%

Peer Median: 0.53%

#76 of 885 Top 8.5% in $1B-$10B

120

Total Loans

size

Value: $3.65B

Peer Median: $1.96B

#120 of 885 Top 13.4% in $1B-$10B

158

Total Assets

size

Value: $4.34B

Peer Median: $2.79B

#158 of 885 Top 17.7% in $1B-$10B

167

Total Deposits

size

Value: $3.46B

Peer Median: $2.32B

#167 of 885 Top 18.8% in $1B-$10B

Top Weaknesses (5 metrics)

824

Loan-to-Deposit Ratio

liquidity

Value: 105.67%

Peer Median: 85.04%

#824 of 885 Bottom 7.0% in $1B-$10B

803

Nonperforming Asset Ratio

credit_quality

Value: 1.56%

Peer Median: 0.67%

#803 of 885 Bottom 9.4% in $1B-$10B

789

Delinquency Rate

credit_quality

Value: 1.85%

Peer Median: 0.87%

#789 of 882 Bottom 10.7% in $1B-$10B

775

Tier 1 Capital Ratio

capital

Value: 10.63%

Peer Median: 14.84%

#775 of 885 Bottom 12.5% in $1B-$10B

692

Non-Interest-Bearing Deposit Share

funding

Value: 13.68%

Peer Median: 21.27%

#692 of 885 Bottom 21.9% in $1B-$10B