Martinsville First Savings Bank
Martinsville, VA · Cert 29685 · Peer group: banks under $1B in assets (n=573-620) · 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 162 of 573).
- Widest gap: return on equity trails 89% of banks under $1B in assets (rank 549 of 620).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.42%
Rank 513 of 620
Net Interest Margin
2.95%
Rank 480 of 620
Efficiency Ratio
81.64%
Rank 487 of 620
Equity / Assets
22.36%
Rank 70 of 620
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.60% | 1.00% | 1.45% | Beats 17% | 513 / 620 | | |
| Return on Equity | 1.87% | 5.30% | 9.30% | 13.29% | Beats 11% | 549 / 620 | | |
| Net Interest Margin | 2.95% | 3.02% | 3.53% | 4.04% | Beats 23% | 480 / 620 | | |
| Efficiency Ratio | 81.64% | 58.35% | 68.08% | 79.37% | Beats 22% | 487 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.09% | 0.47% | 1.27% | Beats 42% | 333 / 573 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 46.86% | 11.27% | 13.87% | 18.78% | Beats 91% | 56 / 620 | | |
| Total Risk-Based Capital Ratio | 48.01% | 11.69% | 14.57% | 19.67% | Beats 91% | 56 / 620 | | |
| Equity / Assets | 22.36% | 9.03% | 10.60% | 13.73% | Beats 89% | 70 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.50% | 65.08% | 79.69% | 92.47% | 38th pctl | 363 / 585 | | |
| Loans / Assets | 56.80% | 51.85% | 67.17% | 77.86% | 32nd pctl | 424 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |