BlastPoint's Banking Scorecard
First Bank
Community
Specialty: Commercial
VA
FDIC cert 6917
Strasburg, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
First Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+1.3% YoY
+0.4% QoQ
|
+$647.2M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.4B
-1.1% YoY
+1.1% QoQ
|
+$459.6M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.8B
-1.4% YoY
-1.4% QoQ
|
+$651.5M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.98%
+81.7% YoY
+6.9% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.00%
+9.0% YoY
+0.7% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
68.14%
-7.7% YoY
-2.3% QoQ
|
+5.51% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.32%
-36.6% YoY
-24.4% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
79.02%
+0.3% YoY
+2.5% QoQ
|
-4.04% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
28.99%
-4.3% YoY
-1.7% QoQ
|
+7.94% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.23%
-38.5% YoY
-23.9% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
12.59%
+12.5% YoY
+1.9% QoQ
|
+2.35% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.85%
+1.6% YoY
+41.1% QoQ
|
+0.11% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#92 of 248 · Bottom 37% 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
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
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.99% · Tier avg: 21.05%
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.02% · Tier avg: 83.06%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.59% · Tier avg: 10.24%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
31
31th pctile
Efficiency Ratio
Current: 68.14% · Tier avg: 62.63%
Top Weaknesses
31
31th pctile
Efficiency Ratio
Current: 68.14% · Tier avg: 62.63%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.59% · Tier avg: 10.24%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.02% · Tier avg: 83.06%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.99% · Tier avg: 21.05%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B