The National Bank of Blacksburg: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The National Bank of Blacksburg of Blacksburg, VA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.02% | 1.46% | -1.44% | 3rd bottom |
| ROAE | 0.21% | 12.72% | -12.51% | 3rd bottom |
| Net Interest Margin | 2.99% | 3.85% | -0.86% | 14th bottom |
| Efficiency Ratio | 56.53% | 57.41% | -0.88% | 56th above |
| PPNR / Avg Assets | 1.43% | 1.88% | -0.45% | 33rd below |
| Yield on Earning Assets | 4.43% | 5.72% | -1.29% | 6th bottom |
| Cost of Funds | 1.55% | 2.02% | -0.47% | 78th top |
| Net Interest Spread | 2.49% | 3.18% | -0.69% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 1.00% | -0.97% | 94th top |
| NPA / Total Assets | 0.02% | 0.76% | -0.74% | 94th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 65th above |
| ACL / Total Loans | 0.99% | 1.31% | -0.32% | 29th below |
| ACL / NPLs (Coverage) | 2999.10% | 541.57% | +2457.53% | — |
| Texas Ratio | 0.35% | 7.39% | -7.04% | 93rd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 247.62% | 618.91% | -371.29% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.52% | 17.34% | -0.82% | 81st top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.52% | 17.37% | -0.85% | 81st top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.38% | 18.42% | -1.04% | 79th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.54% | 11.44% | -0.90% | 51st above |
| Equity / Assets | 9.23% | 11.34% | -2.11% | 26th below |
| TCE / Tangible Assets | 8.63% | 10.50% | -1.87% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.40% | 86.97% | -25.57% | 93rd top |
| Core Deposit Ratio | 95.27% | 85.55% | +9.72% | 86th top |
| Uninsured Deposit Ratio | 40.94% | 33.12% | +7.82% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.64% | 9.69% | -8.05% | 26th below |
| Loan Growth (Y/Y) | 0.32% | 8.06% | -7.74% | 18th bottom |
| Deposit Growth (Y/Y) | 0.87% | 7.87% | -7.00% | 23rd bottom |
See The National Bank of Blacksburg's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The National Bank of Blacksburg, 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 The National Bank of Blacksburg profile, how to read a UBPR, or how this data updates.