Northern State Bank of Virginia
Virginia, MN
IDRSSD: 774253
Total Assets
$103.11M
Latest filing
Total Deposits
$92.95M
Latest filing
Net Interest Margin
4.17%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Northern State Bank of Virginia
600 Chestnut St
Virginia, MN 55792
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/19/1966FDIC Certificate 13388
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Northern State Bank of Virginia (Main) | 600 Chestnut St | Virginia, MN |
| NORTHERN STATE BANK OF VIRGINIA CHESTNUT BRANCH | 521 Chestnut St | Virginia, MN |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/19/1966 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55792 |
| State and County Number | 27137 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Duluth, MN-WI |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/19/1966 |
| Primary Insurance Agency | DIF |
| Website | www.nsbov.com |
| Data Updated | 11/14/2025 |
| CERT | 19589 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $103.11M |
| Total Deposits | $92.95M |
| Total Liabilities | $93.37M |
| Total Equity Capital | $9.74M |
| Net Income | $349.00k |
| Net Loans and Leases | $71.37M |
| Assets Per Employee ($Millions) | $6.44M |
| Bank Premises and Fixed Assets | $1.53M |
| Cash and Balances due from Depository Institutions | $8.19M |
| Deposits Held in Domestic Offices | $92.95M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 14.41% |
| Net Interest Margin | 4.17% |
| Efficiency Ratio | 60.08% |
| Tier 1 Risk-Based Capital Ratio | 14.649% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.449% |
| Earning Assets to total Assets | 94.81% |
Income and Expense
| Total Interest Income | $1.39M |
| Total Noninterest Income | $45.00k |
| Total Interest Expense | $393.00k |
| Total Noninterest Expense | $671.00k |
| Net Interest Income | $997.00k |
| Pre-tax Net Operating Income | $349.00k |
| Provision for Credit Losses | $22.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.79M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $413.00k |
| Total Liabilities and Capital | $103.11M |
Securities
| Securities | $14.99M |
| Available-for-sale debt securities | $14.99M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Northern State Bank of Virginia?
$103.11M as of the latest filing.
How much are Northern State Bank of Virginia's total deposits?
$92.95M in total deposits.
Where is Northern State Bank of Virginia located?
Virginia, MN.
What is the Net Interest Margin?
4.17%.
How many domestic offices does it operate?
2.
When was it established?
05/19/1966.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$71.37M (latest filing).
What is the total interest income (latest filing)?
$1.39M.