🏦Bank Scorer

NORTHERN STATE BANK OF VIRGINIA

VIRGINIA, MN · Supervised by FDIC

Est. 1966FDIC #19,589RSSD: FDIC-19589
Part ofBENIC HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.40%

Institution Profile

FDIC BankFind

Address

600 Chestnut St, VIRGINIA, MN

County

St. Louis County

Established

May 19, 1966

Total Assets

$102M(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

December 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$102M

Total Deposits

$92M

Net Loans

$71M

Net Income

$355K

ROA

1.40%

ROE

14.06%

Risk-Based Capital

16.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$89M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415100%0.00%
20233093.33%0.00%
20192882.14%10.71%
20183694.44%2.78%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 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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