The National Bank of Blacksburg: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The National Bank of Blacksburg spends more to run itself than most banks of its size. The Blacksburg, Virginia bank had $1.8 billion in assets at June 30, 2026, up 1.6% from a year earlier. It earns about $0.02 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings fell sharply: quarterly net income of $88,000 was 97% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $49 million equal 25% of Tier 1 capital, down from 33% a year earlier. Its margin is thin by comparison: it keeps 2.99 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, The National Bank of Blacksburg reported a CET1 capital ratio of 16.52%, a return on assets of 0.02%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.35%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 S Main St, Blacksburg, VA 24060
- County
- Montgomery
- Metro Area
- Blacksburg-Christiansburg-Radford, VA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1891
- Offices
- 28 domestic
- Employees (FTE)
- 256
- Domestic deposits
- $1.65B
- Allowance for credit losses
- $10.0M
- Net charge-offs (YTD)
- $105K
- Average total assets
- $1.88B
- Average total loans
- $1.01B
- Average interest-bearing deposits
- $1.32B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6821
- Fed RSSD
- 754929
- SEC CIK
- 796534 → filed by NATIONAL BANKSHARES, INC.
- Website
- www.nbbank.com →
- Parent Holding Company
- NATIONAL BANKSHARES, INC. (RSSD 1139925) · NKSH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Lara E Ramsey | CEO | President & CEO |
| Lora M. Jones | CFO | EVP/Chief Financial Officer |
| David K. Skeens | COO | EVP/Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The National Bank of Blacksburg terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The National Bank of Blacksburg, freeThe National Bank of Blacksburg rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.52% | 0.02% | 0.06% | 0.35% | 2.99% |
| Q1 2026 | 16.61% | 1.10% | 0.06% | 0.35% | 2.94% |
| Q4 2025 | 16.16% | 1.30% | 0.11% | 0.67% | 2.94% |
| Q3 2025 | 16.55% | 1.03% | 0.23% | 1.42% | 2.74% |
| Q2 2025 | 16.13% | 0.59% | 0.21% | 1.40% | 2.55% |
| Q1 2025 | 15.62% | 0.72% | 0.23% | 1.61% | 2.36% |
| Q4 2024 | 15.28% | 0.73% | 0.28% | 2.06% | 2.33% |
| Q3 2024 | 16.55% | 0.65% | 0.23% | 1.46% | 2.19% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 28 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The National Bank of Blacksburg | Blacksburg , VA | 24060 | $266.2M |
| Memorial Drive Branch | Pulaski , VA | 24301 | $118.4M |
| Pearisburg Branch | Pearisburg , VA | 24134 | $112.5M |
| 185 E. Main Street Branch | Wytheville , VA | 24382 | $110.0M |
| Hethwood Branch | Blacksburg , VA | 24060 | $95.7M |
| Market Place Branch | Christiansburg , VA | 24073 | $90.3M |
| Christiansburg Branch | Christiansburg , VA | 24073 | $74.8M |
| Tazewell Main Street Branch | Tazewell , VA | 24651 | $74.4M |
| Hubbard Street Branch | Blacksburg , VA | 24060 | $73.0M |
| North Branch | Blacksburg , VA | 24060 | $56.5M |
| 2001 Norwood Street Branch | Radford , VA | 24143 | $54.3M |
| Us Route 11 Branch | Dublin , VA | 24084 | $53.0M |
| Frontier Community Bank Branch | Waynesboro , VA | 22980 | $50.3M |
| Bluefield Branch | Bluefield , VA | 24605 | $49.6M |
| Pembroke Branch | Pembroke , VA | 24136 | $48.4M |
| South Main Branch | Blacksburg , VA | 24060 | $41.9M |
| Galax Branch | Galax , VA | 24333 | $33.3M |
| Cumberland Park Branch | North Tazewell , VA | 24630 | $31.5M |
| Westgate Branch | Bluefield , VA | 24605 | $29.6M |
| Fourway Branch | North Tazewell , VA | 24630 | $26.4M |
| Rich Creek Branch | Rich Creek , VA | 24147 | $25.3M |
| 250 N Washington Avenue Branch | Pulaski , VA | 24301 | $25.3M |
| Richlands Branch | Richlands , VA | 24641 | $23.4M |
| Abingdon Office | Abingdon , VA | 24210 | $22.3M |
| Staunton Branch | Staunton , VA | 24401 | $22.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2024 | Structure Change | Acquired Frontier Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 27, 2006 | Structure Change | Acquired Bank of Tazewell County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 26, 2004 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for The National Bank of Blacksburg, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in VA, rank 24 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $570K approved, $285K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The National Bank of Blacksburg
What are The National Bank of Blacksburg's total assets?
As of the Q2 2026 filing, The National Bank of Blacksburg reported total assets of $1.83 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The National Bank of Blacksburg headquartered?
The National Bank of Blacksburg is headquartered in Blacksburg, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The National Bank of Blacksburg founded?
The National Bank of Blacksburg was established in 1891, per the FDIC institution directory.
Is The National Bank of Blacksburg FDIC-insured?
Yes. The National Bank of Blacksburg is an FDIC-insured commercial bank (FDIC Certificate #6821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The National Bank of Blacksburg?
The National Bank of Blacksburg's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The National Bank of Blacksburg's CET1 capital ratio?
The National Bank of Blacksburg reported a Common Equity Tier 1 (CET1) capital ratio of 16.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The National Bank of Blacksburg operate?
The National Bank of Blacksburg operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The National Bank of Blacksburg's Texas Ratio?
The National Bank of Blacksburg's Texas Ratio is 0.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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