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Primis Bank
Tappahannock, VA·FDIC Cert #57968·Charter: STATE·Est. 20050414.0·HC: PRIMIS FINANCIAL CORP
Total Assets
$4.0B
Q4 2025
Return on Assets
1.13%
+0.75%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.84%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.13%+0.75
ROE
10.08%+6.63
Efficiency
60.84%-17.76
Equity/Assets
0.00%+0.00
NPL Ratio
2.54%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.18%-0.40
Charge-offs
0.62%-0.16
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.5 | 0.4 | -0.2 | 0.5 | 0.2 | 0.4 | 1.1 |
| ROE | 4.0 | 4.5 | 4.0 | -1.8 | 4.8 | 1.4 | 3.5 | 10.1 |
| Efficiency | 66.4 | 69.7 | 70.2 | 73.3 | 76.5 | 80.2 | 78.6 | 60.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 2.4 | 2.6 | 2.5 |
| Charge-offs | 0.6 | 0.6 | 0.7 | 1.5 | 1.4 | 1.1 | 0.8 | 0.6 |
| Loan/Deposit | 96.7 | 99.2 | 101.4 | 95.9 | 96.3 | 95.6 | 99.6 | 99.2 |
Balance Sheet
Total Assets$4.0B
Total Deposits$3.4B
Total Loans$3.4B
Total Equity$468.1M
Profitability
ROA1.13%
ROE10.08%
Efficiency Ratio60.84%
Net Income$43.3M
Risk & Asset Quality
NPL Ratio2.54%
Charge-off Rate0.62%
Loan/Deposit99.18%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans