MARTINSVILLE, VA · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$2.4B
Total Deposits
$2.0B
Net Loans
$1.8B
Net Income
$1M
ROA
0.19%
Below avg for Community banks. Peer avg: 0.90%
ROE
1.69%
Risk-Based Capital
16.47%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,238 | 69.71% | 9.61% |
| 2023 | 1,339 | 77.89% | 8.07% |
| 2022 | 2,453 | 75.46% | 5.71% |
| 2021 | 5,906 | 85.13% | 7.84% |
| 2020 | 5,575 | 87.84% | 4.95% |
| 2019 | 1,728 | 82.06% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2023 | Satisfactory | Intermediate Small Bank |
| Mar 2020 | Satisfactory | Small Bank |
| Jan 2014 | Satisfactory | Small Bank |
2 previous ratings locked — back to 2003
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Total Branches
27
Branch Deposits
$2.0B
1-Year Change
0
5-year net change: +11 branches
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Preview:
| 2.72% |
| 2018 | 834 | 94.36% | 2.40% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red