BlastPoint's Banking Scorecard
First Bank
Designations: ✓ Community bank
Strasburg, VA
33 branches across VA · NC
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 +0.5% year over year ($1.8B on the books).
- Delinquency rate 0.32%.
- Return on assets 1.14%.
- Efficiency ratio 65.43% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.80% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency Ratio 5.70% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+1.6% YoY
-0.1% QoQ
|
-$719.6M |
$2.8B
-0.6% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$1.5B
+3.1% YoY
+1.6% QoQ
|
-$490.8M |
$2.0B
-0.3% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$1.8B
+0.5% YoY
-0.5% QoQ
|
-$473.7M |
$2.3B
-0.5% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.14%
+45.8% YoY
+5.4% QoQ
|
-0.26% |
1.39%
+17.0% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
4.07%
+3.1% YoY
+3.2% QoQ
|
+0.20% |
3.87%
+6.2% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
65.43%
-9.3% YoY
-0.8% QoQ
|
+5.70% |
59.73%
-12.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.32%
-32.4% YoY
+4.9% QoQ
|
-0.54% |
0.87%
+11.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
79.80%
+2.6% YoY
+2.0% QoQ
|
-5.23% |
85.04%
-0.1% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
28.97%
-7.3% YoY
-0.7% QoQ
|
+7.70% |
21.27%
-1.5% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.23%
-31.4% YoY
+6.7% QoQ
|
-0.45% |
0.67%
+11.7% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.87%
+9.0% YoY
+1.1% QoQ
|
-1.97% |
14.84%
-0.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.39%
+4.5% YoY
+104.0% QoQ
|
-0.14% |
0.53%
+2.5% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
29.0%
-2.3pp YoY -0.2pp QoQ |
+7.6pp | 21.4% | 26.2% | 22.2% | 82% |
| 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 |
7.7%
-0.7pp YoY -0.2pp QoQ |
-6.3pp | 14.0% | 11.0% | 12.5% | 32% |
| CRE |
55.9%
+3.7pp YoY +0.8pp QoQ |
+5.9pp | 50.0% | 46.9% | 41.4% | 66% |
| 1-4 Family |
35.5%
-2.6pp YoY -0.4pp QoQ |
+9.1pp | 26.4% | 32.6% | 31.3% | 76% |
| Consumer |
0.6%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.7% | 8.0% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
+1.1pp YoY +0.1pp QoQ |
-2.7pp | 15.6% | 17.2% | 19.7% | 39% |
| Leverage Ratio |
9.4%
+0.9pp YoY +0.1pp QoQ |
-1.9pp | 11.3% | 12.2% | 12.6% | 21% |
| Total Capital Ratio |
13.9%
+1.0pp YoY +0.2pp QoQ |
-2.8pp | 16.7% | 18.3% | 20.8% | 38% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
308
+14 (+4.8%) YoY +2 (+0.7%) QoQ |
-6 | 313 | 1,956 | 482 | 67% |
| Assets per Employee ($) |
$6.7M
-3.0% YoY -0.8% QoQ |
-$3.7M | $10.5M | $9.9M | $8.8M | 21% |
| Branch Count |
33
0 YoY 0 QoQ |
+13 | 20 | 28 | 18 | 84% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.7% | 1.0% | 34% |
| Allowance Coverage |
3.15x
+41.2% YoY -4.6% QoQ |
-15.56x | 18.71x | 9.47x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.1%
-0.3pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+2.8pp YoY +0.5pp QoQ |
-0.4pp | 12.6% | 12.0% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 1.9% | 1.7% | 1.7% | 8% |
| Net Income ($, YTD) |
$11.7M
+48.3% YoY — QoQ |
-$7.5M | $19.2M | $137.1M | $40.4M | 47% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.