Martinsville First Savings Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Martinsville First Savings Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
Reserve coverage of nonperforming loans dropped 46.02 percentage points in Q3 2026, from 132.20% to 86.19%. It was the largest change from Q2 2026 among the key lines here. 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).
Capital adequacy
Total risk-based capital ratio moved most in this table, down 1.04 points: 48.01% in Q2 2026, 46.97% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 45.85% |
| Tier 1 risk-based capital ratio | 45.85% |
| Total risk-based capital ratio | 46.97% |
| Tier 1 leverage ratio | 20.42% |
| Equity capital to assets | 21.88% |
| Tangible equity to tangible assets | 19.57% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.94% |
| Nonperforming assets ratio | 0.56% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.85% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of nonperforming loans | 86.19% |
Earnings
Largest change in this table: return on assets, down 0.12 points to 0.37% in Q3 2026 after 0.49% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 1.68% |
| Net interest margin | 2.96% |
| Efficiency ratio | 80.80% |
| Yield on earning assets | 4.90% |
| Cost of funds | 2.33% |
Liquidity and funding
Largest change in this table: loan-to-deposit ratio, up 2.32 points to 75.82% in Q3 2026 after 73.50% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.82% |
| Core deposits to total deposits | 89.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.72% |
| Securities to assets | 7.13% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 42.55% | 42.55% | 43.48% | 19.18% | 0.77% |
| Q1 2024 | 35.63% | 35.63% | 36.26% | 19.23% | 0.45% |
| Q2 2024 | 30.96% | 30.96% | 31.64% | 19.16% | 0.50% |
| Q3 2024 | 40.11% | 40.11% | 41.15% | 19.16% | 0.64% |
| Q4 2024 | 40.45% | 40.45% | 41.43% | 19.24% | 0.56% |
| Q1 2025 | 41.42% | 41.42% | 42.44% | 19.32% | 0.46% |
| Q2 2025 | 41.88% | 41.88% | 42.95% | 19.72% | 0.23% |
| Q3 2025 | 42.91% | 42.91% | 44.02% | 20.20% | 0.28% |
| Q4 2025 | 43.81% | 43.81% | 44.93% | 20.12% | 0.63% |
| Q1 2026 | 44.94% | 44.94% | 46.11% | 20.07% | 0.35% |
| Q2 2026 | 46.86% | 46.86% | 48.01% | 20.46% | 0.49% |
| Q3 2026 | 45.85% | 45.85% | 46.97% | 20.42% | 0.37% |
Martinsville First Savings Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)