TellerScore

Martinsville First Savings Bank (FDIC certificate #29685) is based in Martinsville, Virginia. Its Q2 2026 call report shows $32.1M in total assets and $24.8M in deposits and 1 office.

Based on its Q2 2026 filing, Martinsville First Savings Bank scores 80/100, which we describe as strong. That is higher than 66% of 546 banks with under $100 million in assets. Among 56 banks headquartered in Virginia, it ranks 10th. Its strongest component is capital cushion (100/100; 20.46%), and its lowest is earnings (37/100; 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 20.46%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.65%
Earnings37/100
Return on assets (annualized): 0.41%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 72.9% · 4.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (72 → 80), mostly because the loan quality component improved by 24 points.

TellerScore
707580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202470
Q1 202572
Q2 202572
Q3 202573
Q4 202574
Q1 202676
Q2 202680
Tier 1 leverage ratio
5.00%12.73%20.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202419.16%
Q3 202419.16%
Q4 202419.24%
Q1 202519.32%
Q2 202519.72%
Q3 202520.20%
Q4 202520.12%
Q1 202620.07%
Q2 202620.46%
Noncurrent loans
0.65%1.21%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.30%
Q3 20241.24%
Q4 20241.78%
Q1 20251.46%
Q2 20251.39%
Q3 20251.25%
Q4 20251.27%
Q1 20261.06%
Q2 20260.65%
Return on assets
0.32%0.43%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.47%
Q3 20240.53%
Q4 20240.53%
Q1 20250.46%
Q2 20250.35%
Q3 20250.32%
Q4 20250.40%
Q1 20260.35%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$32.1M20.46%0.65%0.41%72.9%
Q1 202676$32.4M20.07%1.06%0.35%73.7%
Q4 202574$32.4M20.12%1.27%0.40%74.8%
Q3 202573$32.1M20.20%1.25%0.32%77.0%
Q2 202572$32.4M19.72%1.39%0.35%77.5%
Q1 202572$32.5M19.32%1.46%0.46%77.6%
Q4 202470$33.3M19.24%1.78%0.53%74.0%
Q3 202475$33.2M19.16%1.24%0.53%74.8%
Q2 202474$32.8M19.16%1.30%0.47%76.3%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.46%
86th
Total risk-based capital48.01%
94th
Problem loans0.65%
43rd
Net charge-offs-0.01%
84th
Return on assets0.41%
24th
Net interest margin3.03%
17th
Efficiency ratio81.0%
29th
Loans to deposits72.9%
41st
Uninsured deposits4.8%
92nd
Loan-loss reserves0.86%
22nd
Texas ratio1.6%
52nd

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The Blue Grass Valley BankBank Blue Grass, VA61 out of 100, Moderate$59.9M10.0%1.20%vs
Farmers & Merchants Bank of Craig CountyBank New Castle, VA92 out of 100, Very strong$93.0M16.9%0.00%vs
Miners Exchange BankBank Coeburn, VA42 out of 100, Below average$93.5M12.4%3.16%vs

Deposit insurance

Is my money safe at Martinsville First Savings Bank?

Yes. Martinsville First Savings Bank is an FDIC-insured institution (FDIC certificate #29685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.8% of deposits ($1.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 20.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 48.01% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Martinsville First Savings Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Martinsville First Savings Bank
Former names
First Federal Savings and Loan Association of Martinsville
Type
Savings bank
FDIC certificate #
29685
RSSD ID
104971
Primary regulator
OCC
Holding company
First Mutual Holding Co
Established
January 1, 1924
Headquarters
25 W Church St, Martinsville, VA 24112
Employees
4

Quick answers

Martinsville First Savings Bank: common questions

Is Martinsville First Savings Bank FDIC insured?

Yes. Martinsville First Savings Bank is an FDIC-insured institution (FDIC certificate #29685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Martinsville First Savings Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Martinsville First Savings Bank ever failed?

There is no failure record for FDIC certificate #29685 in the FDIC failed bank list.

How many branches does Martinsville First Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Martinsville

InstitutionScoreAssetsCapitalProblem loansCompare
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
First Community BankBank Bluefield, VA75 out of 100, Strong$3.6B10.2%0.70%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs
Beacon Credit Union, IncorporatedCredit union Lynchburg, VA74 out of 100, Strong$391.6M11.6%0.24%vs
Atlantic Union BankBank Richmond City, VA73 out of 100, Strong$38.0B11.4%0.50%vs