Northern State Bank of Virginia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northern State Bank of Virginia of Virginia, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.91% | 1.34% | -0.43% | 29th below |
| ROAE | 9.05% | 13.31% | -4.26% | 31st below |
| Net Interest Margin | 4.71% | 3.93% | +0.78% | 86th top |
| Efficiency Ratio | 58.97% | 61.14% | -2.17% | 57th above |
| PPNR / Avg Assets | 1.73% | 1.68% | +0.05% | 58th above |
| Yield on Earning Assets | 5.94% | 5.67% | +0.27% | 66th above |
| Cost of Funds | 1.33% | 1.88% | -0.55% | 79th top |
| Net Interest Spread | 4.33% | 3.32% | +1.01% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.31% | 0.16% | +0.15% | 9th bottom |
| ACL / Total Loans | 0.82% | 1.28% | -0.46% | 11th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 81.82% | 1395.69% | -1313.87% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.36% | 19.50% | -4.14% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.36% | 19.54% | -4.18% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.26% | 20.62% | -4.36% | 50th above |
| Leverage Ratio | 10.17% | 12.14% | -1.97% | 35th below |
| Equity / Assets | 10.19% | 11.37% | -1.18% | 48th below |
| TCE / Tangible Assets | 9.87% | 11.09% | -1.22% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.86% | 80.64% | -0.78% | 51st above |
| Core Deposit Ratio | 96.14% | 86.86% | +9.28% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.87% | 6.85% | -3.98% | 39th below |
| Loan Growth (Y/Y) | 5.10% | 7.90% | -2.80% | 49th below |
| Deposit Growth (Y/Y) | 2.35% | 6.29% | -3.94% | 38th below |
See Northern State Bank of Virginia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northern State Bank of Virginia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northern State Bank of Virginia profile, how to read a UBPR, or how this data updates.