Martinsville First Savings Bank: how it compares with its peers
Against 272 U.S. banks with half to twice its assets, Martinsville First Savings Bank's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $5.6M peer median). Its weakest relative measure is net interest margin (3.03% vs. 3.86%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.41% | 0.94% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.03% | 3.86% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.99% | 73.77% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $5.6M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.87% | 61.20% | Context |
What it means for lending operations
Its efficiency ratio of 80.99% is above the 73.77% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Metropolitan Bank and Trust Company New York, NY · $32M
- Jackson Savings Bank, SSB Sylva, NC · $32M
- Maxwell State Bank Maxwell, IA · $32M
- GS&L Municipal Bank Gouverneur, NY · $32M
- First Progressive Bank Brewton, AL · $32M
Questions about Martinsville First Savings Bank
How big is Martinsville First Savings Bank?
Martinsville First Savings Bank, established in 1924, is headquartered in Martinsville, VA. It reported $32M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Martinsville First Savings Bank's return on assets?
0.41% annualized in Q2 2026, against a 0.94% median for 272 U.S. banks with half to twice its assets, ahead of 32% of them.
What is Martinsville First Savings Bank's efficiency ratio?
80.99% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 73.77%, and lower is better.
Is Martinsville First Savings Bank growing its loans?
Net loans shrank 7.7% over the year to Q2 2026, while deposits shrank 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.