🏦Bank Scorer

B2 BANK NATIONAL ASSOCIATION

VIRGINIA, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1902FDIC #5,105
Satisfactory Down

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

51

822.74 per $B assets · filed with CFPB

Financial Health

Needs Attention

ROA -1.68%

Institution Profile

FDIC BankFind

Address

8355 Unity Dr, VIRGINIA, MN

County

St. Louis County

Established

February 1, 1902

Total Assets

$62M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 8, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$62M

Total Deposits

$51M

Net Loans

$34M

Net Income

$-281K

ROA

-1.68%

ROE

-10.15%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Complaints / $B822.74Peer avg: 411.37▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$60M

1-Year Change

0

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

51

All Time

159

Monetary Relief

19.5%

Untimely Response

0%

Most common complaint type: Checking or savings account· 822.74 per $B assets (12m)

822.74 per $B assets — more complaints than 100% of Small banks

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202400
October 202431
November 202400
December 202400
January 202500
February 202500
March 202500
April 202500
May 202500
June 202500
July 202500
August 202500
September 202531
October 202531
November 202521
December 202500
January 202610
February 202600
March 202681
April 2026116
May 2026164
June 202671

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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