Martinsville First Savings Bank

Martinsville First Savings Bank is a currently active mortgage lending specialization banking institution headquartered in Martinsville, Virginia. Established in 01/01/1924, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Martinsville First Savings Bank manages $32.4M in total assets and holds $25.2M in customer deposits. When evaluating the stability of Martinsville First Savings Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 22.01%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.35%, while its Return on Equity (ROE) sits at 1.57%. These metrics result in a moderate health score of 5.5 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.