TellerScore

Primis Bank is a state-chartered bank (fed member) headquartered in Tappahannock, Virginia, in business for about 21 years. At the end of Q2 2026 it reported $4.3B in total assets and $3.5B in deposits, with 28 offices across 2 states.

Primis Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 52nd. Problem-loan coverage contributes the most (74/100, 12.9%); loan quality contributes the least (39/100, 1.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.51%
Loan quality39/100
Noncurrent loans ÷ total loans: 1.83%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 105.7% · 22.9% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.91%

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 11 points (39 → 50), mostly because the earnings component improved by 35 points.

TellerScore
385062Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202453
Q1 202562
Q2 202539
Q3 202538
Q4 202545
Q1 202641
Q2 202650
Tier 1 leverage ratio
5.00%7.43%9.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.85%
Q3 20249.72%
Q4 20249.10%
Q1 20259.72%
Q2 20259.32%
Q3 20259.34%
Q4 20259.74%
Q1 20269.69%
Q2 20269.51%
Noncurrent loans
0.39%1.58%2.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.39%
Q3 20240.47%
Q4 20240.53%
Q1 20250.47%
Q2 20252.40%
Q3 20252.55%
Q4 20252.51%
Q1 20262.77%
Q2 20261.83%
Return on assets
-0.20%0.46%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.45%
Q4 2024-0.20%
Q1 20250.55%
Q2 20250.15%
Q3 20250.38%
Q4 20251.13%
Q1 20260.95%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$4.3B9.51%1.83%1.02%105.7%
Q1 202641$4.2B9.69%2.77%0.95%104.1%
Q4 202545$4.0B9.74%2.51%1.13%99.2%
Q3 202538$3.9B9.34%2.55%0.38%99.6%
Q2 202539$3.8B9.32%2.40%0.15%95.6%
Q1 202562$3.7B9.72%0.47%0.55%96.3%
Q4 202453$3.7B9.10%0.53%-0.20%95.9%
Q3 202459$4.0B9.72%0.47%0.45%101.4%
Q2 202461$4.0B9.85%0.39%0.51%99.2%

897 peers · $1 billion – $10 billion

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 ratio9.51%
23rd
Total risk-based capital11.88%
31st
Problem loans1.83%
10th
Net charge-offs0.39%
11th
Return on assets1.02%
32nd
Net interest margin3.61%
43rd
Efficiency ratio68.0%
25th
Loans to deposits105.7%
7th
Uninsured deposits22.9%
76th
Loan-loss reserves1.24%
64th
Texas ratio12.9%
10th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The First Bank and Trust CompanyBank Lebanon, VA72 out of 100, Strong$4.3B10.1%0.28%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
Citizens and Farmers BankBank West Point, VA75 out of 100, Strong$2.8B11.2%0.09%vs
John Marshall BankBank Reston, VA76 out of 100, Strong$2.4B12.9%0.01%vs
FVCbankBank Fairfax, VA73 out of 100, Strong$2.4B12.9%0.59%vs

Deposit insurance

Is my money safe at Primis Bank?

Yes. Primis Bank is an FDIC-insured institution (FDIC certificate #57968). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($792.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.51%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.88% (benchmark: 10%).

Check how much of your own balance is covered

28 locations

Branches

Primis Bank lists 25 offices in 23 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Primis Bank
Former names
Sonabank, National Association; Sonabank
Type
State-chartered bank (Fed member)
FDIC certificate #
57968
RSSD ID
3325759
Primary regulator
FED
Holding company
Primis Financial Corp
Established
April 14, 2005
Headquarters
1665 Tappahannock Blvd, Tappahannock, VA 22560
Employees
601

Quick answers

Primis Bank: common questions

Is Primis Bank FDIC insured?

Yes. Primis Bank is an FDIC-insured institution (FDIC certificate #57968). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Primis Bank's TellerScore?

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

Has Primis Bank ever failed?

There is no failure record for FDIC certificate #57968 in the FDIC failed bank list.

How many branches does Primis Bank have?

28 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Tappahannock

InstitutionScoreAssetsCapitalProblem loansCompare
Chesapeake BankBank Kilmarnock, VA81 out of 100, Strong$1.7B11.2%0.24%vs
Citizens and Farmers BankBank West Point, VA75 out of 100, Strong$2.8B11.2%0.09%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Atlantic Union BankBank Richmond City, VA73 out of 100, Strong$38.0B11.4%0.50%vs
Truist BankBank Charlotte, NC63 out of 100, Moderate$548.3B9.8%0.72%vs
Virginia Federal Credit UnionCredit union Richmond, VA61 out of 100, Moderate$7.4B10.9%1.05%vs