TellerScore

The Bank of Southside Virginia is a state-chartered bank headquartered in Carson, Virginia, in business for about 115 years. At the end of Q2 2026 it reported $670.3M in total assets and $489.2M in deposits, with 15 offices.

The Bank of Southside Virginia has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 1st. Capital cushion contributes the most (100/100, 23.38%); funding & liquidity contributes the least (87/100, 54% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 23.38%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings100/100
Return on assets (annualized): 3.74%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 54.3% · 27.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.19%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (96 → 97).

TellerScore
949697Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202494
Q4 202496
Q1 202595
Q2 202596
Q3 202596
Q4 202597
Q1 202695
Q2 202697
Tier 1 leverage ratio
5.00%14.19%23.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.03%
Q3 202419.39%
Q4 202419.35%
Q1 202519.98%
Q2 202520.80%
Q3 202521.54%
Q4 202521.87%
Q1 202622.34%
Q2 202623.38%
Noncurrent loans
0.02%0.09%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.16%
Q4 20240.03%
Q1 20250.03%
Q2 20250.02%
Q3 20250.04%
Q4 20250.10%
Q1 20260.10%
Q2 20260.08%
Return on assets
1.62%2.68%3.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.69%
Q3 20241.73%
Q4 20241.91%
Q1 20251.62%
Q2 20251.78%
Q3 20251.77%
Q4 20251.97%
Q1 20261.75%
Q2 20263.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$670.3M23.38%0.08%3.74%54.3%
Q1 202695$631.8M22.34%0.10%1.75%53.6%
Q4 202597$651.2M21.87%0.10%1.97%57.9%
Q3 202596$649.8M21.54%0.04%1.77%58.9%
Q2 202596$650.6M20.80%0.02%1.78%62.8%
Q1 202595$663.9M19.98%0.03%1.62%63.0%
Q4 202496$674.4M19.35%0.03%1.91%64.9%
Q3 202494$675.3M19.39%0.16%1.73%67.0%
Q2 202494$683.2M19.03%0.04%1.69%64.3%

2,650 peers · $100 million – $1 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 ratio23.38%
98th
Total risk-based capital0.00%
24th
Problem loans0.08%
76th
Net charge-offs-0.01%
85th
Return on assets3.74%
99th
Net interest margin4.65%
84th
Efficiency ratio36.3%
98th
Loans to deposits54.3%
88th
Uninsured deposits27.3%
37th
Loan-loss reserves1.40%
72nd
Texas ratio0.2%
83rd

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
TruPoint BankBank Grundy, VA77 out of 100, Strong$690.8M10.6%0.02%vs
The Bank of MarionBank Marion, VA71 out of 100, Strong$634.1M11.4%1.12%vs
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
Select BankBank Forest, VA59 out of 100, Moderate$524.4M9.5%1.06%vs
Powell Valley National BankBank Jonesville, VA78 out of 100, Strong$516.5M10.7%0.21%vs
Bank of BotetourtBank Buchanan, VA79 out of 100, Strong$939.4M11.0%0.25%vs

Deposit insurance

Is my money safe at The Bank of Southside Virginia?

Yes. The Bank of Southside Virginia is an FDIC-insured institution (FDIC certificate #11580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.3% of deposits ($133.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 23.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

The Bank of Southside Virginia lists 15 offices in 14 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Bank of Southside Virginia
Former names
The Bank of Southside, Virginia
Type
State-chartered bank
FDIC certificate #
11580
RSSD ID
610128
Primary regulator
FDIC
Holding company
Bank of Southside VA Corp the
Established
August 10, 1911
Headquarters
17208 Halligan Park Rd, Carson, VA 23830
Employees
85

Quick answers

The Bank of Southside Virginia: common questions

Is The Bank of Southside Virginia FDIC insured?

Yes. The Bank of Southside Virginia is an FDIC-insured institution (FDIC certificate #11580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bank of Southside Virginia's TellerScore?

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

Has The Bank of Southside Virginia ever failed?

There is no failure record for FDIC certificate #11580 in the FDIC failed bank list.

How many branches does The Bank of Southside Virginia have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carson

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
Citizens and Farmers BankBank West Point, VA75 out of 100, Strong$2.8B11.2%0.09%vs
Atlantic Union BankBank Richmond City, VA73 out of 100, Strong$38.0B11.4%0.50%vs
Hopewell Chemical Federal Credit UnionCredit union Hopewell, VA73 out of 100, Strong$55.6M10.8%0.31%vs
Homebase Federal Credit UnionCredit union Prince George, VA72 out of 100, Strong$297.8M10.9%0.96%vs
Peoples Advantage Federal Credit UnionCredit union Petersburg, VA72 out of 100, Strong$115.3M22.1%3.09%vs