BlastPoint's Banking Scorecard
The National Bank of Blacksburg
Designations: ✓ Community bank
Blacksburg, VA
28 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
- Deposits +0.9% year over year ($1.7B on the books).
- Delinquency rate 0.06%.
- Return on assets 0.57%.
- Efficiency ratio 58.63% vs a 59.73% peer average.
- Loan-to-deposit ratio 60.79% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The National Bank of Blacksburg has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.81% below tier average
- + Loan-to-Deposit Ratio 24.25% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 1.09% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 22.2% in tier
- - Return on Assets 0.82% below tier average
- - Net Interest Margin 0.84% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+1.6% YoY
+0.3% QoQ
|
-$961.1M |
$2.8B
-0.6% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$1.0B
+0.4% YoY
+1.9% QoQ
|
-$958.3M |
$2.0B
-0.3% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$1.7B
+0.9% YoY
+0.1% QoQ
|
-$665.6M |
$2.3B
-0.5% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.57%
-15.5% YoY
-49.2% QoQ
|
-0.82% |
1.39%
+17.0% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 8.9% in tier |
| Net Interest Margin ? |
3.03%
+19.7% YoY
+1.5% QoQ
|
-0.84% |
3.87%
+6.2% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
58.63%
-17.0% YoY
-1.9% QoQ
|
-1.09% |
59.73%
-12.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
0.06%
-73.0% YoY
-1.2% QoQ
|
-0.81% |
0.87%
+11.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
Top 8.6% in tier |
| Loan-to-Deposit Ratio ? |
60.79%
-0.5% YoY
+1.8% QoQ
|
-24.25% |
85.04%
-0.1% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
Top 7.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.40%
+5.2% YoY
+3.9% QoQ
|
-0.88% |
21.27%
-1.5% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.03%
-73.3% YoY
+0.4% QoQ
|
-0.64% |
0.67%
+11.7% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
Top 7.1% in tier |
| Tier 1 Capital Ratio ? |
16.52%
+2.4% YoY
-0.6% QoQ
|
+1.68% |
14.84%
-0.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.31%
+4.9% YoY
+103.7% QoQ
|
-0.21% |
0.53%
+2.5% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
55% |
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 |
20.4%
+1.0pp YoY +0.8pp QoQ |
-1.0pp | 21.4% | 26.2% | 22.2% | 53% |
| 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 |
4.0%
-0.2pp YoY -0.2pp QoQ |
-10.0pp | 14.0% | 11.0% | 12.5% | 14% |
| CRE |
51.8%
-1.0pp YoY +1.3pp QoQ |
+1.8pp | 50.0% | 46.9% | 41.4% | 56% |
| 1-4 Family |
32.9%
+1.0pp YoY -0.7pp QoQ |
+6.5pp | 26.4% | 32.6% | 31.3% | 71% |
| Consumer |
4.5%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 4.7% | 8.0% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
+0.4pp YoY -0.1pp QoQ |
+0.9pp | 15.6% | 17.2% | 19.7% | 81% |
| Leverage Ratio |
10.5%
0.0pp YoY -0.2pp QoQ |
-0.8pp | 11.3% | 12.2% | 12.6% | 50% |
| Total Capital Ratio |
17.4%
+0.4pp YoY -0.1pp QoQ |
+0.7pp | 16.7% | 18.3% | 20.8% | 79% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
256
+11 (+4.5%) YoY +2 (+0.8%) QoQ |
-58 | 313 | 1,956 | 482 | 56% |
| Assets per Employee ($) |
$7.2M
-2.7% YoY -0.5% QoQ |
-$3.3M | $10.5M | $9.9M | $8.8M | 26% |
| Branch Count |
28
0 YoY 0 QoQ |
+8 | 20 | 28 | 18 | 80% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 45% |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.7% | 1.0% | 4% |
| Allowance Coverage |
17.38x
+255.6% YoY +2.4% QoQ |
-1.33x | 18.71x | 9.47x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.3%
-2.1pp YoY -6.2pp QoQ |
-6.3pp | 12.6% | 12.0% | 11.6% | 13% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.7% | 1.7% | 22% |
| Net Income ($, YTD) |
$5.2M
-14.9% YoY — QoQ |
-$14.0M | $19.2M | $137.1M | $40.4M | 12% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.