MARTINSVILLE FIRST SAVINGS BANK

MARTINSVILLE, VA | Micro | Est. Jan. 1, 1924, midnight | FDIC #29685 | RSSD #104971 | OCC
Latest Report: 2025-12-31

MARTINSVILLE FIRST SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in MARTINSVILLE, VA, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $32M and total deposits of $25M. Profitability stands at 0.63% ROA and 2.87% ROE, with a net interest margin of 3.15%. The bank's CET1 capital ratio is 43.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.11% and a Texas Ratio of 2.89%. FDIC Certificate #29685.

Assets

$32M

Deposits

$25M

Loans

$19M

Equity

$7M

Profitability

Return on Assets (ROA) 0.63%
Return on Equity (ROE) 2.87%
Net Interest Margin (NIM) 3.15%
Yield on Assets 5.16%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 1.11%
Net Charge-Off Ratio -0.04%
Texas Ratio 2.89%
NPA Ratio 0.65%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 43.81%
Tier 1 Capital 43.81%
Total Capital Ratio 44.93%
Leverage Ratio 20.12%
Loan-to-Deposit 75.46%

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