Northern State Bank of Virginia: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets rose 0.42 percentage points from Q1 2026 to Q2 2026, ending at 10.22% against 9.80%. It was the largest change among the key lines on this page. Within Minnesota, Northern State Bank of Virginia is 63rd of 161 on CET1 ratio, 15.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Northern State Bank of Virginia reported 15.36% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.36% |
| Tier 1 risk-based capital ratio | 15.36% |
| Total risk-based capital ratio | 16.26% |
| Tier 1 leverage ratio | 10.17% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.3M |
| Tier 1 capital | $10.3M |
| Total risk-based capital | $10.9M |
| Total equity capital | $10.4M |
| Risk-weighted assets | $67.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.19% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 10.22% |
| Internal capital growth rate | 2.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $312K |
| Common stock surplus | $9.7M |
| Retained earnings | $640K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$266K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.53% | 14.53% | 15.40% | 8.75% | $60.4M |
| Q4 2023 | 14.29% | 14.29% | 15.16% | 8.76% | $62.1M |
| Q1 2024 | 13.15% | 13.15% | 13.95% | 8.92% | $67.6M |
| Q2 2024 | 14.29% | 14.29% | 15.16% | 8.95% | $62.7M |
| Q3 2024 | 13.95% | 13.95% | 14.78% | 9.02% | $66.1M |
| Q4 2024 | 14.29% | 14.29% | 15.14% | 9.00% | $64.7M |
| Q1 2025 | 14.61% | 14.61% | 15.48% | 9.37% | $64.7M |
| Q2 2025 | 15.22% | 15.22% | 16.11% | 9.95% | $63.5M |
| Q3 2025 | 14.65% | 14.65% | 15.54% | 9.72% | $66.3M |
| Q4 2025 | 15.09% | 15.09% | 16.02% | 9.74% | $66.2M |
| Q1 2026 | 15.39% | 15.39% | 16.36% | 9.89% | $66.2M |
| Q2 2026 | 15.36% | 15.36% | 16.26% | 10.17% | $67.1M |
Northern State Bank of Virginia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State Bank of Virginia, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northern State Bank of Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19589) · FFIEC NIC profile (RSSD 774253)