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Capital · Virginia

US Banks with Highest Tier 1 Leverage Ratio in Virginia

Ranked among banks headquartered in Virginia. Re-ranked 1-53 within the state from the same national ranking population.

#1 Tier 1 Leverage Ratio: BANK OF SOUTHSIDE VIRGINIA, THE — 22.32% . The Tier 1 Leverage Ratio measures Tier 1 capital against unweighted average assets — a simpler backstop that prevents banks from gaming the risk-based capital rules.

Ranked: 53 banks with reported data Showing: Top 53 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry
# Bank HQ US Banks with … Total Assets
1 Bank of Southside Virginia, the Carson , VA 22.32% $631.7M
2 Locus Bank, INC. Richmond , VA 21.63% $345.2M
3 Legacy Bank Grundy , VA 20.49% $357.8M
4 Community Bankers' Bank Midlothian , VA 15.57% $153.7M
5 Citizens Bank and Trust Company Blackstone , VA 15.00% $583.3M
6 Farmers and Miners Bank Pennington Gap , VA 13.30% $190.7M
7 Lee Bank & Trust Company Pennington Gap , VA 12.85% $259.9M
8 Mainstreet Bank Fairfax , VA 12.81% $2.22B
9 New Horizon Bank, N.A. Powhatan , VA 12.64% $278.6M
10 Fvcbank Fairfax , VA 12.61% $2.33B
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11 John Marshall Bank Reston , VA 12.60% $2.35B
12 Virginia National Bank Charlottesville , VA 12.52% $1.65B
13 Farmers Bank of Appomattox, the Appomattox , VA 12.37% $369.0M
14 Highlands Community Bank Covington , VA 12.35% $189.7M
15 Old Dominion National Bank North Garden , VA 12.02% $1.62B
16 Burke and Herbert Bank and Trust Company Alexandria , VA 11.97% $7.91B
17 Bank of Clarke Berryville , VA 11.94% $1.84B
18 Village Bank Midlothian , VA 11.64% $738.6M
19 United Bank Fairfax , VA 11.54% $33.61B
20 Pioneer Bank Stanley , VA 11.44% $362.8M
21 Bank of Marion, the Marion , VA 11.40% $614.1M
22 Atlantic Union Bank Richmond , VA 11.34% $37.23B
23 Bank of Charlotte County, the Phenix , VA 11.33% $224.2M
24 Citizens and Farmers Bank West Point , VA 11.10% $2.79B
25 Chesapeake Bank Kilmarnock , VA 11.03% $1.72B
26 Blue Ridge Bank, N.A. Martinsville , VA 11.01% $2.40B
27 New Peoples Bank, INC. Honaker , VA 11.00% $940.0M
28 Capital One, N.A. Mc Lean , VA 10.80% $672.01B
29 Freedom Bank of Virginia, the Fairfax , VA 10.70% $1.05B
30 Cornerstone Bank Lexington , VA 10.69% $227.7M
31 National Bank of Blacksburg, the Blacksburg , VA 10.69% $1.83B
32 Carter Bank & Trust Martinsville , VA 10.68% $4.78B
33 The Old Point National Bank of Phoebus Hampton , VA 10.57% $1.40B
34 Bank of Botetourt Buchanan , VA 10.56% $938.0M
35 HSBC Bank USA, N.A. Tysons , VA 10.48% $167.71B
36 Movement Bank Danville , VA 10.44% $163.8M
37 First Community Bank Bluefield , VA 10.26% $3.64B
38 Trupoint Bank Grundy , VA 10.22% $703.5M
39 First Bank and Trust Company, the Lebanon , VA 10.03% $4.15B
40 Powell Valley National Bank Jonesville , VA 9.87% $518.0M
41 Townebank Portsmouth , VA 9.75% $22.36B
42 Primis Bank Tappahannock , VA 9.69% $4.24B
43 Benchmark Community Bank Kenbridge , VA 9.65% $1.40B
44 First Sentinel Bank Richlands , VA 9.64% $412.7M
45 Chain Bridge Bank, N.A. Mc Lean , VA 9.62% $1.92B
46 First Bank Strasburg , VA 9.38% $2.08B
47 Select Bank Forest , VA 9.30% $500.4M
48 Bank of the James Lynchburg , VA 9.18% $1.05B
49 Trustar Bank Great Falls , VA 9.17% $1.17B
50 Farmers & Merchants Bank Timberville , VA 8.84% $1.41B
51 Oak View National Bank Warrenton , VA 8.67% $924.5M
52 First National Bank Altavista , VA 8.63% $1.09B
53 Skyline National Bank Independence , VA 8.60% $1.31B

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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