The National Bank of Blacksburg: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 168.00 percentage points higher than in Q1 2026, at 2999.10%. The National Bank of Blacksburg has the 4th lowest return on assets of the 56 banks headquartered in Virginia, at 0.02% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, The National Bank of Blacksburg reported 0.02% on return on assets in Q2 2026, 1.26 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.52% |
| Tier 1 risk-based capital ratio | 16.52% |
| Total risk-based capital ratio | 17.38% |
| Tier 1 leverage ratio | 10.54% |
| Equity capital to assets | 9.23% |
| Tangible equity to tangible assets | 8.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.35% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 2999.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.02% |
| Return on equity | 0.21% |
| Net interest margin | 2.99% |
| Efficiency ratio | 56.53% |
| Yield on earning assets | 4.43% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.40% |
| Core deposits to total deposits | 95.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.23% |
| Securities to assets | 35.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.83% | 17.83% | 18.79% | 11.71% | 0.79% |
| Q4 2023 | 17.23% | 17.23% | 18.09% | 11.05% | 0.99% |
| Q1 2024 | 17.29% | 17.29% | 18.14% | 11.02% | 0.64% |
| Q2 2024 | 16.32% | 16.32% | 17.19% | 11.40% | 0.41% |
| Q3 2024 | 16.55% | 16.55% | 17.40% | 11.08% | 0.65% |
| Q4 2024 | 15.28% | 15.28% | 16.14% | 10.25% | 0.73% |
| Q1 2025 | 15.62% | 15.62% | 16.50% | 10.29% | 0.72% |
| Q2 2025 | 16.13% | 16.13% | 17.02% | 10.49% | 0.59% |
| Q3 2025 | 16.55% | 16.55% | 17.45% | 10.92% | 1.03% |
| Q4 2025 | 16.16% | 16.16% | 17.02% | 10.42% | 1.30% |
| Q1 2026 | 16.61% | 16.61% | 17.46% | 10.69% | 1.10% |
| Q2 2026 | 16.52% | 16.52% | 17.38% | 10.54% | 0.02% |
The National Bank of Blacksburg vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Blacksburg, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The National Bank of Blacksburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6821) · FFIEC NIC profile (RSSD 754929)