B2 BANK NATIONAL ASSOCIATION

MOUNTAIN IRON, MN | Micro | Est. Feb. 1, 1902, midnight | FDIC #5105 | RSSD #108652 | OCC
Latest Report: 2025-12-31

B2 BANK NATIONAL ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in MOUNTAIN IRON, MN, established in Feb. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $72M and total deposits of $60M. Profitability stands at -0.89% ROA and -5.58% ROE, with a net interest margin of 4.66%. The bank's CET1 capital ratio is 14.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.32% and a Texas Ratio of 4.02%. FDIC Certificate #5105. The institution operates 1 domestic branch.

Assets

$72M

Deposits

$60M

Loans

$35M

Equity

$11M

Profitability

Return on Assets (ROA) -0.89%
Return on Equity (ROE) -5.58%
Net Interest Margin (NIM) 4.66%
Yield on Assets 5.87%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 1.32%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.02%
NPA Ratio 0.65%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 14.69%
Tier 1 Capital 14.69%
Total Capital Ratio 15.42%
Leverage Ratio 15.97%
Loan-to-Deposit 58.21%

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