Carson, VA · Cert 11580 · Bank of Southside VA Corp. the
State charter, non-member · FDIC · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
62
Profitability
88
Liquidity
27
Efficiency
99
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Carson, VA · Cert 11580 · Bank of Southside VA Corp. the
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Richmond, VA · 2026 SOD (annual) · 0.6% share · #13 of 30 inst. · $0.4B of $60.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.91% | 1.62% | 1.78% | 1.76% | 1.95% | 1.73% | 3.72% | +194 bps | |
| Return on Equity | 10.56% | 11.62% | 9.40% | 10.13% | 9.79% | 10.66% | 8.66% | 18.33% | +821 bps | |
| Net Interest Margin | 3.81% | 3.85% | 3.85% | 3.91% | 3.97% | 4.09% | 4.06% | 4.13% | +22 bps | |
| Efficiency Ratio | 50.85% | 50.94% | 55.77% | 53.22% | 53.11% | 51.12% | 57.54% | 36.45% | -1,677 bps | |
| Non-Interest Burden | 1.72% | 1.72% | 1.96% | 1.86% | 1.87% | 1.75% | 2.14% | -0.25% | -210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | -0.68% | -0.85% | -4.77% | -3.78% | -3.46% | -4.85% | 3.03% | +780 bps | |
| Loan Growth (YoY) | 10.40% | -0.50% | -3.94% | -12.56% | -12.97% | -13.58% | -15.37% | -11.33% | +123 bps | |
| Deposit Growth (YoY) | -8.59% | -9.88% | -5.75% | -10.63% | -1.15% | -3.32% | -0.83% | 2.37% | +1,300 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.03% | 0.03% | 0.02% | 0.04% | 0.10% | 0.10% | 0.08% | +6 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.08% | -0.05% | -0.03% | -0.02% | -0.02% | -0.02% | -0.01% | +3 bps | |
| Allowance / Loans | 1.10% | 1.14% | 1.19% | 1.24% | 1.28% | 1.33% | 1.42% | 1.40% | +16 bps | |
| Allowance Coverage of NPLs | 6.9x | 39.3x | 39.4x | 50.8x | 34.7x | 14.0x | 14.5x | 17.3x | -33.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.39% | 19.35% | 19.98% | 20.80% | 21.53% | 21.86% | 22.32% | 23.38% | +257 bps | |
| Total Risk-Based Capital | 19.39% | 19.35% | 19.98% | 20.80% | 21.53% | 21.86% | 22.32% | 23.38% | +257 bps | |
| Equity / Assets | 17.62% | 16.72% | 17.73% | 18.29% | 19.43% | 19.60% | 20.32% | 20.89% | +260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.80% | 65.60% | 63.77% | 63.55% | 59.69% | 58.64% | 54.42% | 55.05% | -851 bps | |
| Liquid Assets / Assets | 10.63% | 10.64% | 10.32% | 10.07% | 10.46% | 9.39% | 9.16% | 8.64% | -142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 29.65% | 28.69% | 26.91% | n/a | n/a | |
Carson, VA · Cert 11580 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bank of Southside VA Corp. the
State charter, non-member · FDIC · 15 branches
Q2 2026
Return on Assets
3.61%
Rank 8 of 746
Net Interest Margin
4.13%
Rank 200 of 746
Efficiency Ratio
36.45%
Rank 12 of 746
Equity / Assets
20.89%
Rank 31 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.61% | 0.72% | 1.06% | 1.45% | Beats 99% | 8 / 746 | ||
| Return on Equity | 17.28% | 6.74% | 10.51% | 13.63% | Beats 92% | 59 / 746 | ||
| Net Interest Margin | 4.13% | 3.17% | 3.68% | 4.16% | Beats 73% | 200 / 746 | ||
| Efficiency Ratio | 36.45% | 55.74% | 64.58% | 75.47% | Beats 99% | 12 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.42% | 1.07% | Beats 76% | 181 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 48% | 390 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.38% | 11.55% | 13.75% | 17.60% | Beats 89% | 80 / 746 | ||
| Total Risk-Based Capital Ratio | 23.38% | 11.71% | 14.33% | 18.43% | Beats 88% | 91 / 746 | ||
| Equity / Assets | 20.89% | 8.90% | 10.51% | 13.06% | Beats 96% | 31 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.05% | 61.31% | 78.27% | 90.78% | 17th pctl | 617 / 746 | ||
| Loans / Assets | 40.17% | 53.60% | 66.97% | 76.08% | 10th pctl | 674 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||