BlastPoint's Banking Scorecard
The Bank of Southside Virginia
Community
Specialty: Other
VA
FDIC cert 11580
Carson, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
The Bank of Southside Virginia has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7% in Community
- + Deposit Franchise: Top 57% in Community
- + Loan-to-Deposit Ratio 25.21% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 3% in Community
- - Credit Quality Pressure: Bottom 14% in Community
- - Deposit Outflow: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$651.0M
-3.5% YoY
+0.2% QoQ
|
-$740.5M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$277.6M
-13.8% YoY
-3.7% QoQ
|
-$697.9M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$479.8M
-3.3% YoY
-1.9% QoQ
|
-$684.8M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.92%
+0.5% YoY
+8.8% QoQ
|
+0.76% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.47%
+3.4% YoY
+1.1% QoQ
|
+0.80% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
51.33%
+0.7% YoY
-3.4% QoQ
|
-11.31% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.10%
+231.8% YoY
+158.5% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
57.85%
-10.8% YoY
-1.8% QoQ
|
-25.21% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.75%
-3.7% YoY
-9.0% QoQ
|
+12.71% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+129.5% YoY
+101.5% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.70%
+39.7% YoY
+78.4% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#28 of 371 · Top 7% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#86 of 150 · Top 57% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.75%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.47%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
57.85%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Capital Thin
risk
#16 of 432 · Bottom 3% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#114 of 808 · Bottom 14% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Deposit Outflow
decline
#45 of 248 · Bottom 18% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.85% · Tier avg: 83.06%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.75% · Tier avg: 21.05%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.16%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
81
81th pctile
Efficiency Ratio
Current: 51.33% · Tier avg: 62.63%
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Assets
Current: $651.0M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $479.8M · Tier avg: $1.2B
4
4th pctile
Total Loans
Current: $277.6M · Tier avg: $975.5M
Top Weaknesses
4
4th pctile
Total Loans
Current: $277.6M · Tier avg: $975.5M
10
10th pctile
Total Deposits
Current: $479.8M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $651.0M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
81
81th pctile
Efficiency Ratio
Current: 51.33% · Tier avg: 62.63%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.16%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.75% · Tier avg: 21.05%
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.85% · Tier avg: 83.06%