Side-by-side · Q2 2026 data
Northern State Bank of Virginia vs Community Bank Owatonna
Metric by metric
| Measure | Northern State Bank of Virginia | Community Bank Owatonna |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 52 (stronger) | 30 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 66 (stronger) | 52 |
| Funding & liquidity | 74 | 84 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 61st | 24th |
| Total assets | $102.0M | $103.3M |
| Deposits / shares | $91.2M | $94.7M |
| Capital ratio | 10.17% (stronger) | 7.98% |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.15% (stronger) | 0.81% |
| Loans ÷ deposits | 79.2% | 76.6% (stronger) |
| Uninsured deposits | 21.5% | 12.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern State Bank of Virginia has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Virginia leads on 4 and Community Bank Owatonna on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.