Martinsville First Savings Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Martinsville First Savings Bank of Martinsville, VA against its peer group of 568 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with under $100M in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.37% | 1.11% | -0.74% | 22nd worst quarter |
| ROAE | 1.68% | 8.79% | -7.11% | 19th worst quarter |
| Net Interest Margin | 2.96% | 3.95% | -0.99% | 12th worst quarter |
| Efficiency Ratio | 80.80% | 69.24% | +11.56% | 70th worse half |
| PPNR / Avg Assets | 0.51% | 1.33% | -0.82% | 21st worst quarter |
| Yield on Earning Assets | 4.90% | 5.30% | -0.40% | 34th |
| Cost of Funds | 2.33% | 1.58% | +0.75% | 81st worst quarter |
| Net Interest Spread | 2.52% | 3.42% | -0.90% | 19th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.37% | +0.57% | 65th worse half |
| NPA / Total Assets | 0.56% | 0.15% | +0.41% | 69th worse half |
| NCO / Avg Loans | 0.00% | 0.00% | +0.00% | 43rd better half |
| ACL / Total Loans | 0.81% | 1.24% | -0.43% | 17th |
| ACL / NPLs (Coverage) | 86.19% | 146.06% | -59.87% | 37th worse half |
| Texas Ratio | 2.85% | 1.26% | +1.59% | 60th worse half |
| CRE / Total Capital | 15.54% | 26.55% | -11.01% | 40th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 45.85% | 23.51% | +22.34% | 75th best quarter |
| Tier 1 Ratio | 45.85% | 23.51% | +22.34% | 75th best quarter |
| Total Capital Ratio | 46.97% | 24.40% | +22.57% | 76th best quarter |
| Leverage Ratio | 20.42% | 13.42% | +7.00% | 79th best quarter |
| Equity / Assets | 21.88% | 12.44% | +9.44% | 81st best quarter |
| TCE / Tangible Assets | 19.57% | 12.20% | +7.37% | 79th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 75.82% | 68.60% | +7.22% | 61st |
| Core Deposit Ratio | 89.70% | 91.38% | -1.68% | 41st worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.51% | 1.80% | -0.29% | 47th |
| Loan Growth (Y/Y) | -0.61% | 2.82% | -3.43% | 35th |
| Deposit Growth (Y/Y) | 1.75% | 1.59% | +0.16% | 51st |
See Martinsville First Savings Bank's peers by name
The 568 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, 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 Martinsville First Savings Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Martinsville First Savings Bank peer analysis.