BlastPoint's Banking Scorecard
The National Bank of Blacksburg
Designations: ✓ Community bank
Blacksburg, VA
28 branches across VA
The National Bank of Blacksburg has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.83% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 1.27% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 34.7% in tier
- - ROA 0.25% below tier average
- - Net Interest Margin 0.83% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-0.3% YoY
+0.2% QoQ
|
-$989.5M |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$986.3M
-0.8% YoY
-0.3% QoQ
|
-$978.6M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$1.7B
-1.4% YoY
+0.3% QoQ
|
-$692.3M |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.12%
+51.2% YoY
+20.5% QoQ
|
-0.25% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
2.99%
+22.7% YoY
+10.0% QoQ
|
-0.83% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
59.79%
-9.0% YoY
-5.7% QoQ
|
-1.27% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.06%
-75.3% YoY
-46.1% QoQ
|
-0.83% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
Top 8.0% in tier |
| Loan-to-Deposit Ratio ? |
59.74%
+0.6% YoY
-0.6% QoQ
|
-24.47% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
Top 7.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.63%
+3.5% YoY
-2.9% QoQ
|
-1.66% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.03%
-75.4% YoY
-46.4% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
Top 6.7% in tier |
| Tier 1 Capital Ratio ? |
16.61%
+6.3% YoY
+2.8% QoQ
|
+1.45% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.15%
+3.9% YoY
-75.1% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
56% |
Get Full Access to The National Bank of Blacksburg
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.