Bank Comparison
Bank of Southside Virginia, the vs Four Corners Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Southside Virginia, the | Four Corners Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 22.32% | 9.80% |
| Equity / Assets | 20.32% | 8.99% |
Profitability
| Metric | Bank of Southside Virginia, the | Four Corners Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.70% | 2.31% |
| Return on Equity (ROE) | 8.66% | 25.92% |
| Net Interest Margin (NIM) | 4.53% | 4.11% |
| Yield on Earning Assets | 4.75% | 5.80% |
| Cost of Funds | 0.27% | 1.86% |
Asset quality
| Metric | Bank of Southside Virginia, the | Four Corners Community Bank |
|---|---|---|
| Texas Ratio | 0.54% | 2.56% |
| Non-Performing Loan Ratio | 0.24% | 0.39% |
| Non-Performing Asset Ratio | 0.11% | 0.26% |
| Net Charge-Off Ratio | -0.02% | 0.11% |
| ACL / Loans | 1.42% | 1.71% |
Balance sheet
| Metric | Bank of Southside Virginia, the | Four Corners Community Bank |
|---|---|---|
| Total Assets | $631,656K | $632,322K |
| Total Deposits | $487,669K | $544,751K |
| Total Loans | $265,394K | $423,246K |
| Total Equity | $128,353K | $56,818K |
| Net Income (quarter) | $2,771K | $3,650K |
Liquidity & funding
| Metric | Bank of Southside Virginia, the | Four Corners Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 54.42% | 77.70% |
| Core Deposit Ratio | 97.31% | 85.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Southside Virginia, the | Four Corners Community Bank |
|---|---|---|
| Headquarters City | CARSON | FARMINGTON |
| Headquarters State | VA | NM |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 15 | 6 |
| Employees (FTE) | 81 | 86 |
| Established | Aug. 10, 1911, midnight | March 1, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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