Financial strength ranking · Virginia · Call Report data as of Q2 2026

Best Banks in Virginia by Financial Strength

The Bank of Southside Virginia ranks first among the 51 banks headquartered in Virginia we score, with a financial strength score of 93.3 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: The Bank of Southside Virginia
Its score: 93.3 of 100
Banks scored in Virginia: 51
Its return on assets: 5.62%

Every scored bank in Virginia

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Virginia ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	The Bank of Southside Virginia Carson	93.3	5.62%	25.79%	23.38%	0.04%	$670.3M
2	Pioneer Bank Stanley	85.3	3.93%	36.62%	11.96%	0.02%	$371.8M
3	Citizens Bank and Trust Company Blackstone	83.2	2.28%	44.75%	15.39%	0.16%	$577.6M
4	The Bank of Charlotte County Phenix	80.5	5.39%	34.95%	12.79%	0.29%	$222.8M
5	Virginia National Bank Charlottesville	78.2	2.31%	37.48%	13.21%	0.35%	$1.64B
6	Lee Bank & Trust Company Pennington Gap	76.5	5.68%	22.37%	14.11%	0.77%	$257.3M
7	John Marshall Bank Reston	73.6	1.28%	47.64%	12.95%	0.01%	$2.40B
8	Chain Bridge Bank, N.A. McLean	72.2	1.98%	37.67%	9.13%	0.00%	$2.19B
9	Powell Valley National Bank Jonesville	72.2	3.68%	44.70%	10.67%	0.25%	$516.5M
10	Bank of Botetourt Buchanan	71.5	2.25%	47.75%	11.00%	0.21%	$939.4M
11	TowneBank Portsmouth	70.0	3.42%	43.43%	10.00%	0.21%	$22.62B
12	Farmers and Miners Bank Pennington Gap	69.0	1.78%	58.47%	13.28%	0.16%	$193.2M
13	Atlantic Union Bank Richmond	68.1	1.81%	42.70%	11.45%	0.40%	$38.02B
14	The First Bank and Trust Company Lebanon	67.9	1.98%	37.84%	10.07%	0.24%	$4.28B
15	FVCbank Fairfax	67.3	1.58%	46.84%	12.94%	0.48%	$2.36B
16	United Bank Fairfax	66.8	1.61%	44.73%	11.60%	0.36%	$33.64B
17	First Community Bank Bluefield	64.7	2.55%	45.90%	10.23%	0.48%	$3.61B
18	First National Bank Altavista	62.3	2.35%	51.08%	8.84%	0.12%	$1.14B
19	Locus Bank, Inc. Richmond	62.3	1.28%	56.27%	21.46%	0.51%	$359.4M
20	Chesapeake Bank Kilmarnock	61.5	2.01%	64.02%	11.18%	0.16%	$1.72B
21	Benchmark Community Bank Kenbridge	56.7	1.74%	58.09%	9.80%	0.16%	$1.41B
22	Movement Bank Danville	55.7	1.73%	77.48%	11.09%	0.04%	$164.2M
23	Capital One, N.A. McLean	55.6	1.92%	51.10%	10.58%	1.05%	$662.16B
24	Trupoint Bank Grundy	54.5	1.24%	63.96%	10.60%	0.01%	$690.8M
25	New Peoples Bank, Inc. Honaker	54.0	1.53%	60.67%	11.17%	0.38%	$942.5M
26	Farmers & Merchants Bank Timberville	53.5	1.52%	49.29%	9.10%	0.28%	$1.40B
27	Integrity Bank for Business Virginia Beach	52.4	0.46%	85.67%	24.06%	0.00%	$111.7M
28	The Bank of Marion Marion	49.5	1.53%	60.50%	11.37%	0.82%	$634.1M
29	Community Bankers' Bank Midlothian	48.6	0.34%	91.84%	15.43%	0.00%	$139.4M
30	The National Bank of Blacksburg Blacksburg	47.7	0.02%	56.53%	10.54%	0.03%	$1.83B
31	Skyline National Bank Independence	47.3	1.54%	57.45%	8.81%	0.29%	$1.33B
32	Bank of Clarke Berryville	47.1	1.16%	59.29%	12.27%	0.88%	$1.85B
33	The Farmers Bank of Appomattox Appomattox	45.9	1.26%	74.98%	12.58%	0.41%	$374.6M
34	HSBC Bank USA, N.A. Tysons	44.7	1.05%	55.65%	10.22%	0.47%	$173.10B
35	Oak View National Bank Warrenton	44.4	0.84%	56.56%	8.16%	0.00%	$966.1M
36	Legacy Bank Grundy	42.6	0.79%	63.96%	20.64%	1.44%	$360.2M
37	Cornerstone Bank Lexington	41.0	1.19%	64.40%	10.86%	0.69%	$232.8M
38	First Bank Strasburg	40.8	1.19%	64.67%	9.44%	0.23%	$2.07B
39	First Sentinel Bank Richlands	40.6	0.88%	68.68%	10.02%	0.09%	$398.0M
40	Bank of the James Lynchburg	39.7	1.08%	68.67%	9.38%	0.11%	$1.03B
41	Select Bank Forest	39.4	1.27%	56.42%	9.54%	0.93%	$524.4M
42	MainStreet Bank Fairfax	38.4	0.97%	62.12%	12.78%	2.78%	$2.24B
43	Old Dominion National Bank North Garden	37.9	0.54%	62.90%	11.75%	0.65%	$1.80B
44	Carter Bank & Trust Martinsville	34.2	0.19%	62.70%	11.73%	0.85%	$4.80B
45	Burke and Herbert Bank and Trust Company Alexandria	32.4	0.62%	72.35%	12.26%	0.89%	$10.98B
46	Trustar Bank Great Falls	32.4	0.70%	64.16%	9.38%	0.33%	$1.14B
47	New Horizon Bank, N.A. Powhatan	31.8	-0.36%	108.06%	10.81%	0.08%	$359.3M
48	Primis Bank Tappahannock	27.2	1.12%	65.83%	9.51%	1.56%	$4.34B
49	Highlands Community Bank Covington	25.8	0.33%	89.12%	12.63%	1.10%	$188.9M
50	Blue Ridge Bank, N.A. Martinsville	20.2	-0.17%	83.01%	11.23%	1.41%	$2.31B
51	The Freedom Bank of Virginia Fairfax	18.7	0.29%	81.77%	11.06%	2.51%	$1.04B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Virginia?

By our financial strength score, The Bank of Southside Virginia of Carson ranks first among the 51 scored banks headquartered in Virginia, scoring 93.3 out of 100 for Q2 2026: return on assets of 5.62%, an efficiency ratio of 25.79%, a Tier 1 leverage ratio of 23.38% and nonperforming assets of 0.04% of total assets. Pioneer Bank and Citizens Bank and Trust Company rank second and third.

How are the best banks in Virginia ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Virginia

Largest banks in Virginia Bank deposits in Virginia Largest credit unions in Virginia Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.