Side-by-side · Q2 2026 data
Produce State Bank vs Northern State Bank of Virginia
Metric by metric
| Measure | Produce State Bank | Northern State Bank of Virginia |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 53 (stronger) | 52 |
| Loan quality | 58 | 100 (stronger) |
| Earnings | 73 (stronger) | 66 |
| Funding & liquidity | 98 (stronger) | 74 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 40th | 61st |
| Total assets | $107.2M | $102.0M |
| Deposits / shares | $94.6M | $91.2M |
| Capital ratio | 10.33% (stronger) | 10.17% |
| Problem loans | 1.26% | 0.00% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.15% |
| Return on assets | 1.31% (stronger) | 1.15% |
| Loans ÷ deposits | 62.6% (stronger) | 79.2% |
| Uninsured deposits | 9.8% (stronger) | 21.5% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern State Bank of Virginia has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Produce State Bank leads on 5 and Northern State Bank of Virginia on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.