Bank of Southside Virginia, The
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
$670.3MAssets
$269.3MLoans
$489.2MDeposits
$140.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets operating in a single state (rank 8 of 746).
- Widest gap: net charge-offs / loans trails 52% of banks under $1B in assets operating in a single state (rank 390 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Favorable gap of $1.6M · efficiency ratio beats 99% of banks under $1B in assets operating in a single state | 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 |