Martinsville First Savings Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Martinsville First Savings Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $30K in Q3 2026, up 36.4% from $22K in Q3 2025.
The biggest quarter-over-quarter change on this page was a small one: Return on assets edged down 0.12 percentage points between Q2 2026 and Q3 2026, to 0.37%. Martinsville First Savings Bank ranks 50th of 56 Virginia banks on return on assets, in the lower half at 0.37% (Q3 2026). Martinsville First Savings Bank's return on assets of 0.37% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.60 points (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $30K |
| Return on assets | 0.37% |
| Return on equity | 1.68% |
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Interest income and expense
Net interest margin changed the most here, down 0.10 points to 2.96% in Q3 2026 from 3.06% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $267K |
| Total interest expense | $147K |
| Interest expense on deposits | $147K |
| Net interest margin | 2.96% |
Noninterest income and expense
Efficiency ratio changed the most here, up 1.23 points to 80.80% in Q3 2026 from 79.57% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $183K |
| Salaries and general administrative expense | $114K |
| Amortization of intangibles | $2K |
| Other noninterest expense | $67K |
| Efficiency ratio | 80.80% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $6.5M |
| Revenue per employee | $179K |
| Full-time equivalent employees | 5 |
Credit costs and securities results
Provision expense to average assets changed the most here, up 0.09 points to 0.00% in Q3 2026 from -0.09% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $0 |
| Provision expense to average assets | 0.00% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $62K | 0.77% | 3.71% | 73.31% |
| Q1 2024 | $36K | 0.45% | 2.12% | 81.98% |
| Q2 2024 | $41K | 0.50% | 2.40% | 72.73% |
| Q3 2024 | $53K | 0.64% | 3.07% | 74.55% |
| Q4 2024 | $46K | 0.56% | 2.64% | 78.80% |
| Q1 2025 | $38K | 0.46% | 2.17% | 78.28% |
| Q2 2025 | $19K | 0.23% | 1.08% | 86.13% |
| Q3 2025 | $22K | 0.28% | 1.24% | 86.58% |
| Q4 2025 | $51K | 0.63% | 2.87% | 69.36% |
| Q1 2026 | $28K | 0.35% | 1.57% | 82.46% |
| Q2 2026 | $39K | 0.49% | 2.18% | 79.57% |
| Q3 2026 | $30K | 0.37% | 1.68% | 80.80% |
Martinsville First Savings Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)