# BANK OF SOUTHSIDE VIRGINIA CARSON, VA · FDIC certificate 11580 · asset band $300M-1B · latest filing 2026-06 · live **Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $670.3M | | | Deposits | $489.2M | | | Loans and leases | $269.3M | | | Total equity | $140.0M | | | Loans / deposits | 54.28% (p9 of band) | 82.04% | | Liquid assets / assets | 53.90% (p95 of band) | | | Uninsured deposits / deposits | 27.34% (p56 of band) | 25.97% | | Brokered deposits | 0.00% | | | Wholesale funding | 5.45% (p60 of band) | | | FHLB advances / assets | 4.48% | | | Tier 1 leverage | 23.38% (p98 of band) | 10.81% | | Unrealized securities loss / equity | -14.61% (p32 of band) | -8.10% | | AOCI / equity | 0.17% (p87 of band) | | | ROA (annualized) | 3.74% (p99 of band) | 1.28% | | Net interest margin | 4.65% (p86 of band) | 3.91% | | Efficiency ratio | 36.31% (p3 of band) | | | Noncurrent loans | 0.08% (p21 of band) | 0.43% | | Net charge-offs (annualized) | 0.00% (p17 of band) | | | Reserve coverage of noncurrent | 1732.72% | | | Real estate % of loans | 26% | | | Construction % of loans | 3.25% (p7 of band) | | | Auto loans | $179.6M (66.71% of loans; DQ 0.21%, NCO 0.01%) | | | Loans to nondepository financials | $0 (0% of equity) (p45 of band) | | | Deposits YoY | 2.4% | | | Employees | 85 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | auto book souring | | | 2011-06 | 1 | | | | 2011-09 | 1 | | | | 2011-12 | 1 | | | | 2012-03 | 1 | | | | 2012-06 | 2 | uninsured deposits leaving | | | 2012-09 | 1 | | uninsured deposits leaving | | 2012-12 | 1 | | | | 2013-03 | 1 | | | | 2013-06 | 1 | | | | 2013-09 | 1 | | | | 2013-12 | 1 | | | | 2014-03 | 1 | | | | 2014-06 | 1 | | | | 2014-09 | 1 | | | | 2014-12 | 1 | | | | 2015-03 | 2 | charge-offs p90 | | | 2015-06 | 1 | | charge-offs p90 | | 2015-09 | 3 | noncurrent p90, reserve under noncurrent | | | 2015-12 | 1 | | noncurrent p90, reserve under noncurrent | | 2016-03 | 1 | | | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 0 | | auto book souring | | 2017-06 | 1 | auto book souring | | | 2017-09 | 1 | | | | 2017-12 | 1 | | | | 2018-03 | 1 | charge-offs p90 | auto book souring | | 2018-06 | 2 | auto book souring | | | 2018-09 | 1 | | charge-offs p90 | | 2018-12 | 1 | | | | 2019-03 | 0 | | auto book souring | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 1 | auto book souring | | | 2020-03 | 1 | | | | 2020-06 | 1 | | | | 2020-09 | 1 | capital falling | auto book souring | | 2020-12 | 1 | | | | 2021-03 | 1 | | | | 2021-06 | 1 | | | | 2021-09 | 0 | | capital falling | | 2021-12 | 0 | | | | 2022-03 | 2 | capital falling, NIM <2.5% | | | 2022-06 | 1 | AOCI drag >20% of equity | capital falling, NIM <2.5% | | 2022-09 | 2 | securities losses >30% of equity | | | 2022-12 | 2 | | | | 2023-03 | 0 | | AOCI drag >20% of equity, securities losses >30% of equity | | 2023-06 | 1 | securities losses >30% of equity | | | 2023-09 | 3 | auto book souring, deposits shrinking | | | 2023-12 | 2 | | securities losses >30% of equity | | 2024-03 | 1 | | auto book souring | | 2024-06 | 2 | auto book souring | | | 2024-09 | 2 | | | | 2024-12 | 2 | | | | 2025-03 | 1 | | auto book souring | | 2025-06 | 2 | uninsured deposits leaving | | | 2025-09 | 0 | | deposits shrinking, uninsured deposits leaving | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 0 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-07-01 [How the Clements family has shaped the Bank of Southside Virginia for 4 generations - wtvr.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZ1JzNVVwUDFBMm50c3E1VGEtLUJhQ1lnMXIyeEdOWlppUDJSX0RYWGl0a1JWSlJRc0E3Y3BVYS0zMnhVZ2JYQWVOX29DZHFHWXB4dmZkZXhINHZrNjA0MnJRajdXcTBDNFh1UWI5d1lKRWxHd3BrcFZMV3FCcGtFUWFWXzBzVHJOaS1PamU1bVRKa2VDU2xna0NUd01qekFfb2JLVQ?oc=5) · wtvr.com - 2025-06-09 [Community banks matter. Here’s why. - Cardinal News](https://news.google.com/rss/articles/CBMieEFVX3lxTE95MFJhVFBLTWwwLVhYdkdfMFQxeHRrVHlQaUlCOW8wZ3ltc1BMd3E3WkVTSU4zTnI1QmsydS1Nd3pvc3VtT0p5VWxNbHAtazNoODRuYmZaTXdLM0RFRXFHcDhqVFVMaGNUSlVlMjZNT2RFdlRqWTdqXw?oc=5) · Cardinal News - 2026-04-28 [2026 Forty Under 40: J. WILLIAM ‘WILL’ CLEMENTS II - Virginia Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxQQlRRMW1WSFlRQlhTUzYtUzlkc1FjdWM1MnhQVjBRd054LU9rc213dDNWZGdaazVjRG0taXBndUo1M0YtaUJJeFNXbFJFYkdnRGVZaWlZcWUtWjdvaDZuUmo5YkhoTHhoNWl1NVgzYUhxakl0bWZpeDVLN3l0aHBQSzRn?oc=5) · Virginia Business - 2026-01-14 [Bank of Southside Virginia Corporation The (OTC: BSSC) Share Price, BSSC Stock News, BSSC Share Price & Updates - kalkine.ca](https://news.google.com/rss/articles/CBMiTEFVX3lxTE5oOEVSYTQycEU0TUlJR1ZXU09MVWJkdlozb2ItaDRLek8wSlR5TW5lTmZCUGVTQ0o0Zkx1S3QtbDZvaE9menJtYUxSRVc?oc=5) · kalkine.ca - 2025-04-30 [IW Museum, BSV bring Virginia 250 Mobile Museum to Smithfiel... - Smithfield Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxQajBlTlVKYVRQbFM5VWpqSEoyOXBqcXZGZ01QcFFkaUNrTkdiaVFtbWF2MUZ2WWxMQmtEOGdOTXhfVTM4c0cxZFhEVlBITG9QOG1xRUtJVVVsNXAwU2VLc1czWmlYNlNCdUhxcVJWSjQzTUJ4VE4wZHVwNWxPUEhtcEVQUFdZUGNpMHlPckRFUUlZSXRtOHRaSzEzcEdzTGZ4aHlaRDhB?oc=5) · Smithfield Times - 2023-07-28 [John Peter Clements - J.T. Morriss & Son Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBzSXBfc3JIQ2gwT0M0ZE9WUUhlYWtIeXdseUY5dGZJNTlFU3FZWjNvcE5RNjBnOS1yZlhlVTQtSGJYalFaSU53WVJtN2lBa2x2eS10d01aamJId1VZWmItSzJ3?oc=5) · J.T. Morriss & Son Funeral Home - 2025-03-05 [Carol Crowder Chappell - J.T. Morriss & Son Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE0wUWptMURTTGQ1UkV3UWpSNEMweFRqdTBlRFFYcUo2TFlPN1NMQ2xIZHFVTzVSMmtHOHRtT3lFYWNUWmNILWJrb2xyLThEd1VMV1lOVkRsQWlyX2FZajhsQQ?oc=5) · J.T. Morriss & Son Funeral Home - 2026-05-05 [Virginia Business honors 2026 Forty Under 40 class at Science Museum of Virginia - wtvr.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQS12d1pWUmljWmUtX1pOSTUyREJmemRFekMycnNwWHljcFFMNkFPYkVWcW04T20talpfdWNqeGoyNmRLZjRWU3VINDNET290eUdTVkYtRFVybml4UTFfMkJDNm9ncFlXTnREMDltZ3lZMEgyMlZBZXhIbHptcWxYNlZfc2pRUQ?oc=5) · wtvr.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=11580 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "11580", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide