Bank Comparison
First National Bank of Kansas vs Northern State Bank of Virginia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 14
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First National Bank of Kansas | Northern State Bank of Virginia |
|---|---|---|
| CET1 Ratio | 17.62% | 15.39% |
| Tier 1 Capital Ratio | 17.62% | 15.39% |
| Total Capital Ratio | 18.58% | 16.36% |
| Tier 1 Leverage Ratio | 9.13% | 9.89% |
| Equity / Assets | 4.10% | 9.94% |
Profitability
| Metric | First National Bank of Kansas | Northern State Bank of Virginia |
|---|---|---|
| Return on Assets (ROA) | 0.68% | 1.37% |
| Return on Equity (ROE) | 16.48% | 14.06% |
| Net Interest Margin (NIM) | 2.82% | 4.46% |
| Yield on Earning Assets | 4.34% | 5.72% |
| Cost of Funds | 1.56% | 1.36% |
Asset quality
| Metric | First National Bank of Kansas | Northern State Bank of Virginia |
|---|---|---|
| Texas Ratio | 1.24% | 1.06% |
| Non-Performing Loan Ratio | 0.12% | 0.15% |
| Non-Performing Asset Ratio | 0.05% | 0.11% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.19% | 0.88% |
Balance sheet
| Metric | First National Bank of Kansas | Northern State Bank of Virginia |
|---|---|---|
| Total Assets | $101,700K | $101,910K |
| Total Deposits | $90,787K | $91,513K |
| Total Loans | $42,405K | $71,414K |
| Total Equity | $4,170K | $10,128K |
| Net Income (quarter) | $171 | $355 |
Liquidity & funding
| Metric | First National Bank of Kansas | Northern State Bank of Virginia |
|---|---|---|
| Loan-to-Deposit Ratio | 46.71% | 78.04% |
| Core Deposit Ratio | 84.63% | 96.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Kansas | Northern State Bank of Virginia |
|---|---|---|
| Headquarters City | BURLINGTON | VIRGINIA |
| Headquarters State | KS | MN |
| Asset Tier | Small | Small |
| Charter Class | 6101 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 14 | 16 |
| Established | Jan. 14, 1902, midnight | May 19, 1966, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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