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Northern State Bank Of Virginia
Virginia, MN · FDIC Certificate #19589 · Chartered 05/1
Total assets
$101.97M
Total deposits
$91.23M
Total equity
$10.39M
Net loans
$72.26M
Branches (offices)
2
Net income (YTD)
$587.00K
Rank: #3,666 of 4,213 U.S. banks by assets · #169 of 221 in Minnesota. Assets changed 2.9% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 11.51% |
| Net interest margin (YTD) | 4.65% |
| Equity to assets | 10.19% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 79.2% |
| Real estate loans (share of loans) | 84.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $60.77M | 84.1% | |
| Commercial & industrial | $11.15M | 15.4% | |
| Consumer / individual | $935.00K | 1.3% | |
| Construction & development | $741.00K | 1.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $88.91M | $81.14M | $174.00K | $7.64M |
| Jun 2023 | $100.16M | $88.09M | $86.00K | $7.75M |
| Jun 2024 | $98.66M | $84.87M | $256.00K | $8.42M |
| Jun 2025 | $99.12M | $89.14M | $483.00K | $9.63M |
| Jun 2026 | $101.97M | $91.23M | $587.00K | $10.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $91.23M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $91.23M.
Similar-sized banks
The First National Bank Of Hebbronville ($101.98M) · Black River Country Bank ($101.76M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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