BlastPoint's Banking Scorecard
Martinsville First Savings Bank
Micro
Specialty: Mortgage
VA
FDIC cert 29685
Martinsville, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Martinsville First Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 34.95% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.40% below tier
- - Non-Interest Income / Assets 0.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.4M
-2.6% YoY
+1.1% QoQ
|
-$185.1M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$18.8M
-2.9% YoY
-1.6% QoQ
|
-$120.3M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$25.2M
-3.9% YoY
+1.3% QoQ
|
-$158.5M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.40%
-25.2% YoY
+23.5% QoQ
|
-0.68% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.12%
-12.3% YoY
-0.2% QoQ
|
-0.74% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
80.06%
+4.1% YoY
-4.2% QoQ
|
+12.34% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
1.28%
-28.7% YoY
+1.6% QoQ
|
+0.64% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
74.82%
+1.1% YoY
-2.8% QoQ
|
+0.29% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
1.99%
-21.1% YoY
+6.0% QoQ
|
-20.40% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.74%
-28.9% YoY
-1.1% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
43.81%
+8.3% YoY
+2.1% QoQ
|
+34.95% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.02%
-65.8% YoY
+23.6% QoQ
|
-0.55% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
43.81%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.99%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Tier 1 Capital Ratio
Current: 43.81% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.82% · Tier avg: 74.53%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.64%
21
21th pctile
Efficiency Ratio
Current: 80.06% · Tier avg: 67.73%
19
19th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
6
6th pctile
Total Loans
Current: $18.8M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $25.2M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $32.4M · Tier avg: $217.5M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.99% · Tier avg: 22.39%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.99% · Tier avg: 22.39%
3
3th pctile
Total Assets
Current: $32.4M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $25.2M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $18.8M · Tier avg: $139.2M
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
21
21th pctile
Efficiency Ratio
Current: 80.06% · Tier avg: 67.73%
23
23th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.82% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 43.81% · Tier avg: 8.85%