BlastPoint's Banking Scorecard

First Bank

$1B-$10B Specialty: Commercial VA FDIC cert 6917

Designations: ✓ Community bank

Strasburg, VA

33 branches across VA · NC

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

First Bank has 2 strengths but faces 2 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

+ Net Interest Margin 0.13% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- ROA 0.29% below tier average
- Efficiency Ratio 4.93% 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 ?	$2.1B +2.1% YoY +1.9% QoQ	-$739.1M	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$1.4B +1.0% YoY +1.0% QoQ	-$515.1M	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$1.9B -0.3% YoY +2.1% QoQ	-$489.8M	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	1.08% +141.9% YoY +9.6% QoQ	-0.29%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	3.95% +2.9% YoY -1.1% QoQ	+0.13%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	65.99% -19.1% YoY -3.2% QoQ	+4.93%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.31% -9.5% YoY -5.5% QoQ	-0.58%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	78.21% +1.3% YoY -1.0% QoQ	-5.99%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	29.16% -5.7% YoY +0.6% QoQ	+7.88%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.21% -10.5% YoY -6.2% QoQ	-0.46%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	12.73% +11.7% YoY +1.1% QoQ	-2.43%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.19% +3.9% YoY -77.5% QoQ	-0.07%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	69%

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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 (1 metrics)

156

Non-Interest-Bearing Deposit Share

funding

Value: 29.16%

Peer Median: 21.29%

#156 of 884 Top 17.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available