Martinsville First Savings Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Martinsville First Savings Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 45.85% in Q3 2026, up 2.94 percentage points from 42.91% in Q3 2025. Across the 12 quarters shown it ranged from 30.96% (Q2 2024) to 46.86% (Q2 2026).
The largest change between Q2 2026 and Q3 2026 was in Total risk-based capital ratio, which fell 1.04 percentage points to 46.97%. Among 42 Virginia banks, Martinsville First Savings Bank sits 2nd from the top on CET1 ratio, 45.85% as of Q3 2026. Against a median of 19.96% for banks in the < $100M asset tier, Martinsville First Savings Bank reported 45.85% on CET1 ratio in Q3 2026, 25.89 points higher.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 45.85% |
| Tier 1 risk-based capital ratio | 45.85% |
| Total risk-based capital ratio | 46.97% |
| Tier 1 leverage ratio | 20.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: risk-weighted assets, up 2.7% to $13.9M in Q3 2026 after $13.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $6.4M |
| Tier 1 capital | $6.4M |
| Total risk-based capital | $6.5M |
| Total equity capital | $7.1M |
| Risk-weighted assets | $13.9M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Largest change in this table: equity capital to total assets, down 0.48 points to 21.88% in Q3 2026 after 22.36% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 21.88% |
| Tangible equity to tangible assets | 19.57% |
| Equity capital to average assets | 22.13% |
| Internal capital growth rate | 1.67% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $6.5M |
| Retained earnings | $765K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$192K |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 42.55% | 42.55% | 43.48% | 19.18% | $14.1M |
| Q1 2024 | 35.63% | 35.63% | 36.26% | 19.23% | $16.9M |
| Q2 2024 | 30.96% | 30.96% | 31.64% | 19.16% | $19.6M |
| Q3 2024 | 40.11% | 40.11% | 41.15% | 19.16% | $15.3M |
| Q4 2024 | 40.45% | 40.45% | 41.43% | 19.24% | $15.3M |
| Q1 2025 | 41.42% | 41.42% | 42.44% | 19.32% | $15.0M |
| Q2 2025 | 41.88% | 41.88% | 42.95% | 19.72% | $14.8M |
| Q3 2025 | 42.91% | 42.91% | 44.02% | 20.20% | $14.5M |
| Q4 2025 | 43.81% | 43.81% | 44.93% | 20.12% | $14.4M |
| Q1 2026 | 44.94% | 44.94% | 46.11% | 20.07% | $14.0M |
| Q2 2026 | 46.86% | 46.86% | 48.01% | 20.46% | $13.6M |
| Q3 2026 | 45.85% | 45.85% | 46.97% | 20.42% | $13.9M |
Martinsville First Savings Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Martinsville First Savings Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 29685) · FFIEC NIC profile (RSSD 104971)