Northern State Bank of Virginia: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.82 percentage points in Q2 2026, from 78.04% to 79.86%. It was the largest change from Q1 2026 among the key lines here. Northern State Bank of Virginia ranks 116th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 79.86% (Q2 2026). At 79.86%, Northern State Bank of Virginia's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $72.9M |
| Net loans and leases | $72.3M |
| Loans held for sale | $0 |
| Loans to total assets | 71.46% |
| Loan-to-deposit ratio | 79.86% |
| Net loans to equity capital | 6.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.40% |
| Multifamily (5+ residential) | 2.74% |
| Commercial and industrial | 15.31% |
| Consumer | 1.28% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 89.14% |
| Construction concentration (Tier 1 capital + allowance) | 6.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.86% |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $64.6M | $89.2M | 24.35% | 24.00% | 2.20% |
| Q4 2023 | $68.7M | $89.6M | 23.71% | 23.71% | 2.28% |
| Q1 2024 | $70.5M | $85.1M | 25.72% | 21.57% | 2.19% |
| Q2 2024 | $69.4M | $84.9M | 26.29% | 20.07% | 1.94% |
| Q3 2024 | $71.1M | $91.2M | 26.07% | 20.09% | 1.71% |
| Q4 2024 | $70.4M | $89.5M | 26.07% | 19.96% | 1.66% |
| Q1 2025 | $70.9M | $88.3M | 27.25% | 20.47% | 1.62% |
| Q2 2025 | $69.3M | $89.1M | 29.14% | 17.95% | 1.64% |
| Q3 2025 | $71.9M | $93.0M | 30.35% | 17.79% | 1.56% |
| Q4 2025 | $72.3M | $90.8M | 31.47% | 16.90% | 1.53% |
| Q1 2026 | $71.4M | $91.5M | 33.13% | 15.53% | 1.52% |
| Q2 2026 | $72.9M | $91.2M | 34.40% | 15.31% | 1.28% |
Northern State Bank of Virginia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State Bank of Virginia, freeSource: Call Report Schedule RC-C, 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)