The Bank of Southside Virginia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Southside Virginia of Carson, VA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 5.62% | 1.34% | +4.28% | 99th top |
| ROAE | 27.68% | 13.31% | +14.37% | 97th top |
| Net Interest Margin | 4.78% | 3.93% | +0.85% | 88th top |
| Efficiency Ratio | 25.79% | 61.15% | -35.36% | 99th top |
| PPNR / Avg Assets | 6.85% | 1.68% | +5.17% | 99th top |
| Yield on Earning Assets | 5.01% | 5.67% | -0.66% | 24th bottom |
| Cost of Funds | 0.28% | 1.88% | -1.60% | 99th top |
| Net Interest Spread | 4.57% | 3.32% | +1.25% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.94% | -0.71% | 62nd above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 617.41% | 1546.78% | -929.37% | 75th top |
| Texas Ratio | 0.48% | 7.34% | -6.86% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 23.38% | 12.13% | +11.25% | 97th top |
| Equity / Assets | 20.89% | 11.36% | +9.53% | 97th top |
| TCE / Tangible Assets | 20.89% | 11.08% | +9.81% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.05% | 80.68% | -25.63% | 88th top |
| Core Deposit Ratio | 97.31% | 86.84% | +10.47% | 94th top |
| Wholesale Funding Ratio | 5.45% | 5.04% | +0.41% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.03% | 6.84% | -3.81% | 40th below |
| Loan Growth (Y/Y) | -11.33% | 7.93% | -19.26% | 2nd bottom |
| Deposit Growth (Y/Y) | 2.37% | 6.29% | -3.92% | 38th below |
See The Bank of Southside Virginia's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Southside Virginia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of Southside Virginia profile, how to read a UBPR, or how this data updates.