Side-by-side · Q2 2026 data
Frandsen Bank & Trust vs Northern State Bank of Virginia
Metric by metric
| Measure | Frandsen Bank & Trust | Northern State Bank of Virginia |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 50 | 52 (stronger) |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 93 (stronger) | 66 |
| Funding & liquidity | 62 | 74 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 63rd | 61st |
| Total assets | $3.7B | $102.0M |
| Deposits / shares | $3.1B | $91.2M |
| Capital ratio | 10.02% | 10.17% (stronger) |
| Problem loans | 0.71% | 0.00% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.15% |
| Return on assets | 1.82% (stronger) | 1.15% |
| Loans ÷ deposits | 79.5% | 79.2% (stronger) |
| Uninsured deposits | 31.8% | 21.5% (stronger) |
| Offices | 39 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Northern State Bank of Virginia has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Frandsen Bank & Trust leads on 2 and Northern State Bank of Virginia on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.