Total Assets
$32M
Total balance-sheet footings
FDIC Cert #29685 · Martinsville, Virginia · Est. 1924
Martinsville First Savings Bank - FDIC Bank Health Profile
A community-scale look at Martinsville First Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $32M
- Total assets
- B
- Health grade · Good
- 0.40%
- Return on assets
- 43.8%
- Tier 1 capital
Data updated July 2026
The verdict
Martinsville First Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 43.81% Tier 1, 0.40% ROA, 80% efficiency ratio.
- #4,226
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 43.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Martinsville First Savings Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Martinsville First Savings Bank's composite health score
Tier 1 Capital Ratio (43.81%) 40/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (3.30%) 20/20
Efficiency Ratio (80.06%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$25M
Customer-funded liabilities
Net Loans
$19M
Outstanding loan book
Net Income
$130K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Martinsville First Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Martinsville First Savings Bank's score of 67/100 falls in the highlighted band.
Martinsville First Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Martinsville First Savings Bank's $32M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
43.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
43.81%
Texas Ratio
3.30%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
1.84%
Efficiency Ratio
80.06%
What the numbers say about Martinsville First Savings Bank
Martinsville First Savings Bank is an FDIC-insured institution (Certificate #29685) headquartered in Martinsville, Virginia, established in 1924. It holds $32M in total assets - 4,226th of 4,313 FDIC-insured banks, $25M in customer deposits, and $19M in net loans. Its capital position: a Tier 1 ratio of 43.81%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.30% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Martinsville First Savings Bank is a community-scale institution -- 56th of 56 FDIC-insured banks headquartered in Virginia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$5K
Non-Interest Income
$766K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Martinsville First Savings Bank reports a Texas Ratio of 3.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Martinsville First Savings Bank (FDIC Cert #29685) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National AssociationMclean | $658.5B | B | 0.55% |
| HSBC Bank USA, National AssociationTysons | $165.3B | A | 0.92% |
| Atlantic Union BankRichmond City | $37.5B | A | 0.99% |
| United BankFairfax | $33.5B | A | 1.50% |
| TowneBankPortsmouth | $19.7B | B | 0.90% |
| Burke & Herbert Bank & Trust CompanyAlexandria | $7.9B | A | 1.69% |
| Carter Bank & TrustMartinsville | $4.8B | D | 0.72% |
| The First Bank and Trust CompanyLebanon | $4.2B | A | 1.62% |
Frequently asked questions
What is Martinsville First Savings Bank's health grade?▼
Martinsville First Savings Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Martinsville First Savings Bank?▼
Martinsville First Savings Bank holds $32M in total assets and $25M in deposits, ranking 4,226th of 4,313 FDIC-insured banks by asset size. It is headquartered in Martinsville, Virginia.
Is my money safe at Martinsville First Savings Bank?▼
Yes, deposits at Martinsville First Savings Bank (Certificate #29685) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Martinsville First Savings Bank's Tier 1 Capital Ratio?▼
Martinsville First Savings Bank has a Tier 1 Capital Ratio of 43.81%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Martinsville First Savings Bank?▼
Martinsville First Savings Bank has a Texas Ratio of 3.30%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Martinsville First Savings Bank?▼
Martinsville First Savings Bank has an Efficiency Ratio of 80.06%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Martinsville First Savings Bank's profile as a depositor or analyst.
- Martinsville First Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Martinsville First Savings Bank against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.