The Bank of Southside Virginia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 23.24 percentage points higher than in Q1 2026, at 617.41%. On return on assets, The Bank of Southside Virginia ranks 2nd highest among the 56 banks headquartered in Virginia, at 5.62% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The Bank of Southside Virginia reported 5.62% on return on assets in Q2 2026, 4.37 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 23.38% |
| Equity capital to assets | 20.89% |
| Tangible equity to tangible assets | 20.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.48% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 617.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.62% |
| Return on equity | 27.68% |
| Net interest margin | 4.78% |
| Efficiency ratio | 25.79% |
| Yield on earning assets | 5.01% |
| Cost of funds | 0.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.05% |
| Core deposits to total deposits | 97.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 72.97% |
| Securities to assets | 50.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.29% | 2.57% | 4.12% | 0.09% | 0.09% |
| Q4 2023 | 18.32% | 3.91% | 4.42% | 0.06% | 0.09% |
| Q1 2024 | 18.67% | 1.66% | 4.13% | 0.05% | 0.02% |
| Q2 2024 | 19.03% | 1.65% | 4.11% | 0.04% | 0.11% |
| Q3 2024 | 19.39% | 1.75% | 4.20% | 0.11% | 0.05% |
| Q4 2024 | 19.35% | 2.39% | 4.24% | 0.06% | 0.13% |
| Q1 2025 | 19.98% | 1.58% | 4.22% | 0.03% | -0.05% |
| Q2 2025 | 20.80% | 1.89% | 4.30% | 0.04% | -0.01% |
| Q3 2025 | 21.54% | 1.73% | 4.40% | 0.11% | 0.02% |
| Q4 2025 | 21.87% | 2.56% | 4.64% | 0.23% | -0.03% |
| Q1 2026 | 22.34% | 1.73% | 4.56% | 0.24% | -0.02% |
| Q2 2026 | 23.38% | 5.62% | 4.78% | 0.23% | 0.01% |
The Bank of Southside Virginia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Southside Virginia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Southside Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11580) · FFIEC NIC profile (RSSD 610128)