Bank Comparison
Northern State Bank of Virginia vs Community Bank Owatonna
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 3
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Northern State Bank of Virginia | Community Bank Owatonna |
|---|---|---|
| CET1 Ratio | 15.39% | 11.08% |
| Tier 1 Capital Ratio | 15.39% | 11.08% |
| Total Capital Ratio | 16.36% | 12.04% |
| Tier 1 Leverage Ratio | 9.89% | 8.49% |
| Equity / Assets | 9.94% | 6.90% |
Profitability
| Metric | Northern State Bank of Virginia | Community Bank Owatonna |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 0.88% |
| Return on Equity (ROE) | 14.06% | 12.14% |
| Net Interest Margin (NIM) | 4.46% | 3.47% |
| Yield on Earning Assets | 5.72% | 5.63% |
| Cost of Funds | 1.36% | 2.22% |
Asset quality
| Metric | Northern State Bank of Virginia | Community Bank Owatonna |
|---|---|---|
| Texas Ratio | 1.06% | 3.68% |
| Non-Performing Loan Ratio | 0.15% | 0.38% |
| Non-Performing Asset Ratio | 0.11% | 0.28% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.88% | 0.94% |
Balance sheet
| Metric | Northern State Bank of Virginia | Community Bank Owatonna |
|---|---|---|
| Total Assets | $101,910K | $100,432K |
| Total Deposits | $91,513K | $92,239K |
| Total Loans | $71,414K | $73,403K |
| Total Equity | $10,128K | $6,933K |
| Net Income (quarter) | $355 | $209 |
Liquidity & funding
| Metric | Northern State Bank of Virginia | Community Bank Owatonna |
|---|---|---|
| Loan-to-Deposit Ratio | 78.04% | 79.58% |
| Core Deposit Ratio | 96.17% | 79.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northern State Bank of Virginia | Community Bank Owatonna |
|---|---|---|
| Headquarters City | VIRGINIA | OWATONNA |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 16 | 13 |
| Established | May 19, 1966, midnight | Jan. 13, 2003, 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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