Bank Comparison
Senath State Bank vs Northern State Bank of Virginia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Senath State Bank | Northern State Bank of Virginia |
|---|---|---|
| CET1 Ratio | — | 15.39% |
| Tier 1 Capital Ratio | — | 15.39% |
| Total Capital Ratio | — | 16.36% |
| Tier 1 Leverage Ratio | 14.83% | 9.89% |
| Equity / Assets | 14.99% | 9.94% |
Profitability
| Metric | Senath State Bank | Northern State Bank of Virginia |
|---|---|---|
| Return on Assets (ROA) | 1.94% | 1.37% |
| Return on Equity (ROE) | 12.89% | 14.06% |
| Net Interest Margin (NIM) | 4.11% | 4.46% |
| Yield on Earning Assets | 5.24% | 5.72% |
| Cost of Funds | 1.28% | 1.36% |
Asset quality
| Metric | Senath State Bank | Northern State Bank of Virginia |
|---|---|---|
| Texas Ratio | 4.90% | 1.06% |
| Non-Performing Loan Ratio | 0.00% | 0.15% |
| Non-Performing Asset Ratio | 0.02% | 0.11% |
| Net Charge-Off Ratio | 0.14% | 0.00% |
| ACL / Loans | 1.46% | 0.88% |
Balance sheet
| Metric | Senath State Bank | Northern State Bank of Virginia |
|---|---|---|
| Total Assets | $101,898K | $101,910K |
| Total Deposits | $86,505K | $91,513K |
| Total Loans | $53,093K | $71,414K |
| Total Equity | $15,273K | $10,128K |
| Net Income (quarter) | $500 | $355 |
Liquidity & funding
| Metric | Senath State Bank | Northern State Bank of Virginia |
|---|---|---|
| Loan-to-Deposit Ratio | 61.38% | 78.04% |
| Core Deposit Ratio | 98.88% | 96.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Senath State Bank | Northern State Bank of Virginia |
|---|---|---|
| Headquarters City | SENATH | VIRGINIA |
| Headquarters State | MO | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 16 | 16 |
| Established | Jan. 1, 1935, 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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