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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Carson, VA · FDIC certificate #11580
BANK OF SOUTHSIDE VIRGINIA is an FDIC-insured institution based in Carson, VA (FDIC certificate #11580). In its Q3 2026 Call Report it reported total assets of $684M, total deposits of $492M and net loans of $272M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF SOUTHSIDE VIRGINIA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $684M in Q3 2026 and were lowest at $632M in Q1 2026.
Total deposits were highest at $492M in Q3 2026 and lowest at $488M in Q1 2026.
Over the whole period total assets rose 8.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $684M | $492M | $272M | 3.13% | 15.74% | 4.69% |
| Q2 2026 | $670M | $489M | $266M | 3.74% | 18.45% | 4.65% |
| Q1 2026 | $632M | $488M | $262M | 1.75% | 8.77% | 4.55% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.5M | $15.8M | +$8.7M | +55.2% |
| Federal funds sold | $100K | $16K | +$84K | +525.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $336.7M | $310.4M | +$26.3M | +8.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $265.5M | $261.6M | +$3.9M | +1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.1M | $2.0M | +$120K | +6.0% |
| Other real estate owned | $50K | $50K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $41.3M | $41.9M | -$605K | -1.4% |
| Total assets | $670.3M | $631.8M | +$38.5M | +6.1% |
| Liabilities | ||||
| Total deposits | $489.2M | $487.7M | +$1.5M | +0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $36.5M | $12.0M | +$24.5M | +204.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.6M | $3.6M | +$1.0M | +27.9% |
| Total liabilities | $530.3M | $503.3M | +$27.0M | +5.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $291K | $291K | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $152.5M | $143.2M | +$9.3M | +6.5% |
| Accumulated other comprehensive income | -$14.8M | -$17.1M | +$2.2M | +13.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $140.0M | $128.5M | +$11.5M | +9.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $267K | $310K | -$43K | -13.9% |
| Adjusted nonperforming assets | $267K | $310K | -$43K | -13.9% |
| Tangible equity plus allowance | $143.8M | $132.2M | +$11.5M | +8.7% |
| Texas ratio (gross) | 0.19% | 0.23% | -0.05 pts | See points |
| Texas ratio (adjusted) | 0.19% | 0.23% | -0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.48% | 0.54% | -0.06 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 23.38% | 22.34% | +1.04 pts | See points |
| Construction and land loans to total capital | 2.87% | 3.46% | -0.59 pts | See points |
| Commercial real estate to total capital | 11.01% | 10.87% | +0.14 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.25% | -16.27% | +3.02 pts | See points |
| Liquidity | ||||
| Core deposits | $476.0M | $474.5M | +$1.5M | +0.3% |
| Non-core funding | $49.7M | $25.1M | +$24.5M | +97.6% |
| Loans to core deposits | 56.57% | 55.93% | +0.64 pts | See points |
| Loans to deposits | 55.05% | 54.42% | +0.63 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 47.61% | 51.00% | -3.39 pts | See points |
| Loans pledged, share of loans | 56.88% | 43.55% | +13.32 pts | See points |
| Volatile liabilities | $49.7M | $25.1M | +$24.5M | +97.6% |
| Earnings | ||||
| Earnings before provision, year to date | $14.5M | $3.2M | +$11.3M | +357.9% |
| Earnings before provision, single quarter | $11.3M | $3.2M | +$8.2M | +257.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.33% | 6.30% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.11% | 2.00% | +1.11 pts | See points |
| Total interest income to average assets | 4.47% | 4.30% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 0.09% | 0.10% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.18% | 0.17% | +0.01 pts | See points |
| Cost of time deposits | 0.71% | 0.70% | +0.01 pts | See points |
| Total interest expense to average assets | 0.22% | 0.21% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $684M | $492M | $272M | 3.13% | 15.74% | 4.69% |
| 2026-06-30 | $670M | $489M | $266M | 3.74% | 18.45% | 4.65% |
| 2026-03-31 | $632M | $488M | $262M | 1.75% | 8.77% | 4.55% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $477.8M | 0.15% | 52 | Continuing · -0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.