BlastPoint's Banking Scorecard
Primis Bank
Community
Specialty: Commercial
VA
FDIC cert 57968
Tappahannock, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Primis Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.91% above tier
- - Nonperforming Asset Ratio 1.65% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+9.5% YoY
+2.3% QoQ
|
+$2.6B |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.4B
+10.5% YoY
+1.4% QoQ
|
+$2.4B |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.4B
+6.8% YoY
+1.8% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.13%
+661.1% YoY
+195.0% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.37%
+8.0% YoY
+2.7% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
60.84%
-17.0% YoY
-22.6% QoQ
|
-1.79% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
2.54%
+367.8% YoY
-1.5% QoQ
|
+1.91% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
99.18%
+3.4% YoY
-0.4% QoQ
|
+16.12% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.86%
+19.1% YoY
+6.9% QoQ
|
-5.19% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
2.15%
+372.0% YoY
-2.4% QoQ
|
+1.65% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
10.74%
-0.4% YoY
+5.9% QoQ
|
+0.50% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
2.33%
+97.8% YoY
+214.1% QoQ
|
+1.59% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#67 of 371 · Top 18% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.33%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.13%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.54%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.15%
(Tier avg: 0.50%, National avg: 0.48%)
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
99
99th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
96
96th pctile
Non-Interest Income / Assets
Current: 2.33% · Tier avg: 0.74%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.18% · Tier avg: 83.06%
54
54th pctile
Efficiency Ratio
Current: 60.84% · Tier avg: 62.63%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.74% · Tier avg: 10.24%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.86% · Tier avg: 21.05%
6
6th pctile
Delinquency Rate
Current: 2.54% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.15% · Tier avg: 0.50%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.15% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.54% · Tier avg: 0.63%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.86% · Tier avg: 21.05%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.74% · Tier avg: 10.24%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
54
54th pctile
Efficiency Ratio
Current: 60.84% · Tier avg: 62.63%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.18% · Tier avg: 83.06%
96
96th pctile
Non-Interest Income / Assets
Current: 2.33% · Tier avg: 0.74%
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
99
99th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M