BlastPoint's Banking Scorecard
The National Bank of Blacksburg
Community
Specialty: Commercial
VA
FDIC cert 6821
Blacksburg, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
The National Bank of Blacksburg faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 38% in Community
- - Net Interest Margin 0.95% below tier
- - Loan-to-Deposit Ratio 22.98% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+0.7% YoY
+1.3% QoQ
|
+$430.3M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$989.4M
+1.1% YoY
-1.7% QoQ
|
+$13.9M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.6B
-0.9% YoY
+4.7% QoQ
|
+$482.2M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.93%
+47.7% YoY
+16.5% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.72%
+21.0% YoY
+3.7% QoQ
|
-0.95% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
63.43%
-7.8% YoY
-4.1% QoQ
|
+0.79% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.11%
-61.8% YoY
-52.9% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
60.08%
+2.0% YoY
-6.1% QoQ
|
-22.98% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.21%
+9.5% YoY
-1.7% QoQ
|
-0.83% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.06%
-61.7% YoY
-54.3% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? |
16.16%
+5.7% YoY
-2.4% QoQ
|
+5.91% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.62%
+5.4% YoY
+32.6% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#94 of 245 · Bottom 38% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.93%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.72%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
60.08%
(Tier avg: 83.06%, National avg: 78.04%)
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
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.16% · Tier avg: 10.24%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
67
67th pctile
Total Loans
Current: $989.4M · Tier avg: $975.5M
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.21% · Tier avg: 21.05%
46
46th pctile
Efficiency Ratio
Current: 63.43% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
8
8th pctile
Loan-to-Deposit Ratio
Current: 60.08% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 60.08% · Tier avg: 83.06%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
46
46th pctile
Efficiency Ratio
Current: 63.43% · Tier avg: 62.63%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.21% · Tier avg: 21.05%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
67
67th pctile
Total Loans
Current: $989.4M · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.16% · Tier avg: 10.24%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%