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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 2.46% | 1.62% | 1.94% | 1.74% | 2.54% | 1.73% | 5.73% | +379 bps | |
| Return on Equity | 10.60% | 14.32% | 9.40% | 10.78% | 9.25% | 13.01% | 8.66% | 27.81% | +1,703 bps | |
| Net Interest Margin | 3.86% | 3.91% | 3.85% | 3.91% | 3.96% | 4.21% | 4.06% | 4.26% | +35 bps | |
| Efficiency Ratio | 49.98% | 51.21% | 55.77% | 50.72% | 52.90% | 46.13% | 57.54% | 26.39% | -2,434 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 1.96% | 1.72% | 1.84% | 1.28% | 2.14% | -2.60% | -432 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 | 0.05% | 0.13% | -0.05% | -0.01% | 0.02% | -0.03% | -0.02% | 0.01% | +2 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 | |