The National Bank of Blacksburg: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The National Bank of Blacksburg is the primary bank subsidiary of its parent holding company, headquartered in Blacksburg, VA. Total assets stand at $1.8B. Returns are subdued: 0.02% ROA and 0.21% ROE. Regulatory capital is solid, 16.52% CET1 and 17.38% total risk-based capital ratio. Asset quality is pristine, 0.03% NPLs and a 0.35% Texas Ratio. The National Bank of Blacksburg operates a 28-branch network.
As of June 30, 2026, The National Bank of Blacksburg reported a CET1 capital ratio of 16.52%, a return on assets of 0.02%, a nonperforming-loan ratio of 0.03%, a Texas ratio of 0.35%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 S Main St, Blacksburg, VA 24060
- County
- Montgomery
- Metro Area
- Blacksburg-Christiansburg-Radford, VA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1891
- Offices
- 28 domestic
- Employees (FTE)
- 256
- Domestic deposits
- $1.65B
- Allowance for credit losses
- $10.0M
- Net charge-offs (YTD)
- $105K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6821
- Fed RSSD
- 754929
- SEC CIK
- 796534 → filed by NATIONAL BANKSHARES, INC.
- Website
- www.nbbank.com →
- Parent Holding Company
- NATIONAL BANKSHARES, INC. (RSSD 1139925) · NKSH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ramsey Lara E | CEO | President & CEO |
| Jones Lora M. | CFO | EVP/Chief Financial Officer |
| Skeens David K. | COO | EVP/Chief Operating Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The National Bank of Blacksburg terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The National Bank of Blacksburg, freeThe National Bank of Blacksburg rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.52% | 0.02% | 0.03% | 0.35% | 2.99% |
| Q1 2026 | 16.61% | 1.10% | 0.03% | 0.35% | 2.94% |
| Q4 2025 | 16.16% | 1.30% | 0.02% | 0.67% | 2.94% |
| Q3 2025 | 16.55% | 1.03% | 0.20% | 1.42% | 2.74% |
| Q2 2025 | 16.13% | 0.59% | 0.21% | 1.40% | 2.55% |
| Q1 2025 | 15.62% | 0.72% | 0.22% | 1.61% | 2.36% |
| Q4 2024 | 15.28% | 0.73% | 0.87% | 6.83% | 2.33% |
| Q3 2024 | 16.55% | 0.65% | 0.87% | 5.45% | 2.19% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 28 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The National Bank of Blacksburg | Blacksburg , VA | 24060 | $266.2M |
| Memorial Drive Branch | Pulaski , VA | 24301 | $118.4M |
| Pearisburg Branch | Pearisburg , VA | 24134 | $112.5M |
| 185 E. Main Street Branch | Wytheville , VA | 24382 | $110.0M |
| Hethwood Branch | Blacksburg , VA | 24060 | $95.7M |
| Market Place Branch | Christiansburg , VA | 24073 | $90.3M |
| Christiansburg Branch | Christiansburg , VA | 24073 | $74.8M |
| Tazewell Main Street Branch | Tazewell , VA | 24651 | $74.4M |
| Hubbard Street Branch | Blacksburg , VA | 24060 | $73.0M |
| North Branch | Blacksburg , VA | 24060 | $56.5M |
| 2001 Norwood Street Branch | Radford , VA | 24143 | $54.3M |
| Us Route 11 Branch | Dublin , VA | 24084 | $53.0M |
| Frontier Community Bank Branch | Waynesboro , VA | 22980 | $50.3M |
| Bluefield Branch | Bluefield , VA | 24605 | $49.6M |
| Pembroke Branch | Pembroke , VA | 24136 | $48.4M |
| South Main Branch | Blacksburg , VA | 24060 | $41.9M |
| Galax Branch | Galax , VA | 24333 | $33.3M |
| Cumberland Park Branch | North Tazewell , VA | 24630 | $31.5M |
| Westgate Branch | Bluefield , VA | 24605 | $29.6M |
| Fourway Branch | North Tazewell , VA | 24630 | $26.4M |
| Rich Creek Branch | Rich Creek , VA | 24147 | $25.3M |
| 250 N Washington Avenue Branch | Pulaski , VA | 24301 | $25.3M |
| Richlands Branch | Richlands , VA | 24641 | $23.4M |
| Abingdon Office | Abingdon , VA | 24210 | $22.3M |
| Staunton Branch | Staunton , VA | 24401 | $22.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2024 | Structure Change | Acquired Frontier Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 27, 2006 | Structure Change | Acquired Bank of Tazewell County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 26, 2004 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for The National Bank of Blacksburg, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in VA, rank 24 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The National Bank of Blacksburg
What are The National Bank of Blacksburg's total assets?
As of the Q2 2026 filing, The National Bank of Blacksburg reported total assets of $1.83 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The National Bank of Blacksburg headquartered?
The National Bank of Blacksburg is headquartered in Blacksburg, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The National Bank of Blacksburg founded?
The National Bank of Blacksburg was established in 1891, per the FDIC institution directory.
Is The National Bank of Blacksburg FDIC-insured?
Yes. The National Bank of Blacksburg is an FDIC-insured commercial bank (FDIC Certificate #6821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The National Bank of Blacksburg?
The National Bank of Blacksburg's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The National Bank of Blacksburg's CET1 capital ratio?
The National Bank of Blacksburg reported a Common Equity Tier 1 (CET1) capital ratio of 16.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The National Bank of Blacksburg operate?
The National Bank of Blacksburg operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The National Bank of Blacksburg's Texas Ratio?
The National Bank of Blacksburg's Texas Ratio is 0.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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