Northern State Bank of Virginia
Northern State Bank of Virginia is an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Northern State Bank of Virginia reported $102M in total assets against $92M in deposits. Returns are notably above industry norms: 1.37% ROA, 14.06% ROE, and 4.46% NIM. Regulatory capital is solid — 15.39% CET1 and 16.36% total risk-based capital ratio. Asset quality is pristine — 0.15% NPLs and a 1.06% Texas Ratio. It operates 2 branches, primarily in Minnesota.
Headquarters Profile
- Address
- 600 Chestnut St, VIRGINIA, MN 55792
- County
- St. Louis
- Metro Area
- DULUTH, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- May 19, 1966
- Branches
- 2 domestic
- Employees (FTE)
- 16
- FDIC Cert
- 19589
- Fed RSSD
- 774253
- Website
- www.nsbov.com →
- Parent Holding Company
- BENIC HOLDINGS, INC. (RSSD 5217915)
Capital & Liquidity
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Northern State Bank of Virginia rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Northern State Bank of Virginia
What are Northern State Bank of Virginia's total assets?
As of the Q1 2026 filing, Northern State Bank of Virginia reported total assets of $101.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Northern State Bank of Virginia headquartered?
Northern State Bank of Virginia is headquartered in VIRGINIA, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Northern State Bank of Virginia founded?
Northern State Bank of Virginia was established in 1966, per the FDIC institution directory.
Is Northern State Bank of Virginia FDIC-insured?
Yes. Northern State Bank of Virginia is an FDIC-insured commercial bank (FDIC Certificate #19589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northern State Bank of Virginia?
Northern State Bank of Virginia's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Northern State Bank of Virginia's CET1 capital ratio?
Northern State Bank of Virginia reported a Common Equity Tier 1 (CET1) capital ratio of 15.39% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Northern State Bank of Virginia operate?
Northern State Bank of Virginia operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Northern State Bank of Virginia's Texas Ratio?
Northern State Bank of Virginia's Texas Ratio is 1.06% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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