Martinsville First Savings Bank
Martinsville, VA · Cert 29685 · Peer group: banks under $1B in assets (n=581-629) · First Mutual Holding Co.
State savings bank · OCC · 4 affiliate banks · 1 branch (26 in holding)
Q2 2026
$32.1MAssets
$18.2MLoans
$24.8MDeposits
$7.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: return on equity trails 88% of banks under $1B in assets (rank 556 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.42%
Rank 522 of 629
Net Interest Margin
2.95%
Rank 489 of 629
Efficiency Ratio
81.64%
Rank 494 of 629
Equity / Assets
22.36%
Rank 72 of 629
Non-interest income vs. expense
Unfavorable gap of $744K · efficiency ratio beats 22% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.60% | 1.01% | 1.45% | Beats 17% | 522 / 629 | |
| Return on Equity | 1.87% | 5.38% | 9.30% | 13.28% | Beats 12% | 556 / 629 | |
| Net Interest Margin | 2.95% | 3.03% | 3.54% | 4.05% | Beats 22% | 489 / 629 | |
| Efficiency Ratio | 81.64% | 58.35% | 67.79% | 79.08% | Beats 22% | 494 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.09% | 0.46% | 1.20% | Beats 41% | 344 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 46.86% | 11.24% | 13.84% | 18.77% | Beats 90% | 60 / 629 | |
| Total Risk-Based Capital Ratio | 48.01% | 11.58% | 14.43% | 19.66% | Beats 90% | 60 / 629 | |
| Equity / Assets | 22.36% | 9.09% | 10.65% | 13.80% | Beats 89% | 72 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 73.50% | 67.24% | 80.90% | 93.48% | 36th pctl | 381 / 594 | |
| Loans / Assets | 56.80% | 53.31% | 67.71% | 78.15% | 30th pctl | 441 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |