# NATIONAL BANK OF BLACKSBURG
BLACKSBURG, VA · FDIC certificate 6821 · asset band $1-10B · 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 | $1.83B | |
| Deposits | $1.65B | |
| Loans and leases | $1.01B | |
| Total equity | $169.2M | |
| Loans / deposits | 60.79% (p8 of band) | 87.10% |
| Liquid assets / assets | 38.60% (p88 of band) | |
| Uninsured deposits / deposits | 40.94% (p76 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.54% (p51 of band) | 10.50% |
| Unrealized securities loss / equity | -29.18% (p10 of band) | -7.75% |
| AOCI / equity | 1.16% (p97 of band) | |
| ROA (annualized) | 0.57% (p10 of band) | 1.26% |
| Net interest margin | 3.03% (p16 of band) | 3.70% |
| Efficiency ratio | 58.63% (p49 of band) | |
| Noncurrent loans | 0.06% (p10 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 1738.24% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 42.57% (p45 of band) | |
| Auto loans | $13.3M (1.31% of loans; DQ 1.82%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 256 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 | NIM <2.5% | deposits shrinking, assets shrinking |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 1 |  | NIM <2.5% |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-20 [National Bankshares executive vice president Paul M. Mylum to resign in May - Investing.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQeDdmUW1Hb0xad2JPTHJoYVdKZkJkX2xtNlZfUWVUVk45TVF6UHRXYzlhMUlFMWRMT0M2MXV2bWdwdFljQUYxQ3MwX2g1eng4TEtrMkpBZTk4azg0cFNzNmZYYm14VTRndi11TEJjZXBHZ0M5QnMxN1NJTW1CYVg3b3pQa3BjX0RMaklQSUVxVURjWk9SN0tZTjV5cHRUUkdNMkVDQlJ3UTJKZm5jRmhMcG1mYmdWR2drc3Y4VHpqUVpvTzJ3amREMVhB?oc=5) · Investing.com
- 2018-07-24 [Hackers Breached Virginia Bank Twice in Eight Months, Stole $2.4M - Krebs on Security](https://news.google.com/rss/articles/CBMiogFBVV95cUxNYUlJLUhzNHQzMjFaYzkwMENCeHlFdWwxTmpGeFVkUUVob2tTRzMxcGFTb3pXOU9qYmdjaFdldlk1NkhLblRGUzRPajBHbVZ3bTEzbzEzVGhoS0cwT2RkQ293N01FdUY4LUJubnJkTEQwcG1xRGNMOXJONW5YYjljSEd3RnU3NlNCNFUzQm9hclRDc2lzZ3M1TGNRR0pvb3NYN2c?oc=5) · Krebs on Security
- 2024-10-18 [Lara Ramsey Named President of National Bankshares and The National Bank of Blacksburg - citybiz](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPaS1QUGFZSWVPd0NFN2tyQl9IMHBmNE5vSVY1NjBxak93SlExYl8wclUyOGtiZk5vaUVZclI1cklWdzNlNlp0VnpqS1FUVmwtMmFHVzFMUXlxQldhZUhxbEZvclExN042UmRrM29mdUZCRWJJaFJaTHM4c1lqQjdsZ24wNENVbm4tMGJzR0NtTzl4b0N5SlZ3Q3ROMWdKRkNXb3BRbU9CV0dNbzNHbWNKVW1Ta0xFb1RNbmZCaGNuRmdjaEk?oc=5) · citybiz
- 2021-02-22 [The National Bank of Blacksburg (VA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTGRrZ1N4T21BaUtoaVpaaF8wekVxblpWeVhPZ1B1dnJTazU5N1pBTy1aRnRBODgtbW5qbFlieDhiRlR6angyQzh0MVVwX2tieU00VlNGQmV6R1JMdGc3QUxKd0RWQklzSzdiOVVYYUh2RXFvTjNXQTFmUDJlY1lDdmdCajBDOVMtMFdFeHRua3FlcENLcHc?oc=5) · SmartAsset
- 2025-04-25 [National Bankshares Va (NKSH) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFA5RkZRVU1EUEpjLTBYMU8yRm9BcFYtcFljMk96Q0VveUdaWjRrMnhtbm1ESW5xWTJEc0ZhQ0RLUXhZWXZQOU42bnpXMk5LaU1uUGdz?oc=5) · stocktitan.net
- 2018-07-25 [Hackers Breach Virginia Bank, Make Off With Millions - silicon.co.uk](https://news.google.com/rss/articles/CBMihgFBVV95cUxPWXNCakRzSVd1eUlWSmgzX3ZUN0UwWFEtWmlfY2JOdWVUdUljczJRMEdHY1liZUNhTHhla2hSMWg5aDdJbmphbjh4TlNFN1A1VndPLTZHbTliWmxRN296azZoYm5lckpxbHo0bWVFRlhYRm1UcmhFbjYtdnl1dXJrakpHajRNQdIBiwFBVV95cUxPMzJOS2ltWWNXU0ViSzdYUG53WU43Vm91Sm93NTFfSTBYbHBLUnFrckFpaXpYbE5McWR0dTQzXzg5V2x6eFU1YWRaNlB3dzdGT0tGMjJ5V3FFd3dCTFZoeUg2OUs5bE1NVzFaT2NTYWVzX2tNbkFQZDJJOUZyRFNEN19oaS1NYjEzLXM4?oc=5) · silicon.co.uk
- 2018-07-25 [Virginia Bank falls victim to two phishing scams, loses $2 million - Bitdefender](https://news.google.com/rss/articles/CBMiugFBVV95cUxNT085cXh2Z1Q1TFlGZVBneV9HZlRkZVladjFRaUpjRUlyWGZKMmh4aVFPcXpHeW9qcGxybzNVb0x6cGZuam9aV0xhTWJXUDZUTUhzV0NaSHY5R3JqMjU3Znc2V0E5ZWJHYkRvYkdGSkJKOWNET0ZKcGxoVUxlTVFZSDQtQU9JV0JENG91X0owZW8zajNwY0p0RWtoT3lSRmNiN21YSW9OTVk4UTBob2dHYjVGamdwbU1DMXc?oc=5) · Bitdefender
- 2025-10-19 [NRV Businesses Win Best of Virginia 2025 - New River Valley News](https://news.google.com/rss/articles/CBMibkFVX3lxTFBTWU4zMkw4dUpMQ3ZLUUNMbjBBMnlhaDNkaU1NREpvdi05RDhpNllsdDZOVTVrR2xtcnpmcFozeFo4bzVkdDh3QXhzbXZhVGVSMlFGLVVQQXlKaFJVUUlzZDVPQ09WN1UtMEMxQXpn?oc=5) · New River Valley News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6821 (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/37.json (key "6821", 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide