1.12%
+51.2%y/y
Peer standing46th percentile
FDIC
NETINC + ROABB
The National Bank of Blacksburg
Blacksburg, VirginiaFDIC Cert #6821
OCCEstablished 189128 branches
Holding company: NATIONAL BANKSHARES INCRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
12.51%
+31.8%y/y
Peer standing58th percentile
FDIC
NETINC + ROE1.36%
+52.1%y/y
Peer standing46th percentile
FDIC
PTAXNETINC + ASSET2.99%
+22.7%y/y
Peer standing15th percentile
FDIC
NIM + NIMY4.48%
+3.6%y/y
Peer standing6th percentile
FDIC
INTINCY1.90%
−18.7%y/y
Peer standing87th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
59.79%
−9.0%y/y
Peer standing56th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.05%
+8.1%y/y
Peer standing78th percentile
FDIC
NONIX + ASSET18.17%
−13.2%y/y
Percentile by value71st percentileby value
FDIC
NONII + NIM−0.33%
−103.8%y/y
Percentile by value15th percentileby value
FDIC
ASSET−1.38%
−117.1%y/y
Percentile by value12th percentileby value
FDIC
DEP−0.75%
−104.6%y/y
Percentile by value13th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.12%46th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE12.51%58th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY2.99%15th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.79%56th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP−1.38%12th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−0.75%13th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.06%90th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.69%53rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.90%87th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC183%33rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.12%48th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.40%Median 1.12%90th 1.65%Observations 57
ROE
FDIC
NETINC + ROE12.51%71st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.40%Median 9.51%90th 14.96%Observations 57
NIM
FDIC
NIM + NIMY2.99%11th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.97%Median 3.73%90th 4.54%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.79%64th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.41%Median 64.85%90th 85.85%Observations 57
Deposits YoY
FDIC
DEP−1.38%9th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.31%Median +4.47%90th +15.81%Observations 56
Loans YoY
FDIC
LNLSNET−0.75%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.80%Median +4.87%90th +17.53%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.06%87th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.51%90th 1.73%Observations 56
Leverage
FDIC
RBC1AAJ10.69%39th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.25%Median 11.03%90th 18.03%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.90%76th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.44%90th 3.50%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC183%36th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 205%90th 331%Observations 45
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.12%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.60%Median 1.12%90th 1.50%Observations 19
ROE
FDIC
NETINC + ROE12.51%72nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.60%Median 11.70%90th 16.66%Observations 19
NIM
FDIC
NIM + NIMY2.99%17th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.57%90th 4.48%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.79%67th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.84%Median 65.99%90th 75.72%Observations 19
Deposits YoY
FDIC
DEP−1.38%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.26%Median +4.38%90th +10.43%Observations 19
Loans YoY
FDIC
LNLSNET−0.75%11th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.47%Median +2.96%90th +13.15%Observations 19
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.06%89th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.44%90th 1.64%Observations 19
Leverage
FDIC
RBC1AAJ10.69%44th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.79%Median 10.70%90th 12.60%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.90%67th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.52%Median 2.34%90th 3.49%Observations 19
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC183%17th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 176%Median 253%90th 349%Observations 19
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.