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 Northern State Bank of Virginia Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 16, 2026
Northern State Bank of Virginia rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.91%, 6-month CD rates at 2.74% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not Northern State Bank of Virginia, and you can see how they compare in the Northern State Bank of Virginia rate tables below. MonitorBankRates evaluates the financial stability of Northern State Bank of Virginia with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 10/16/2026. Northern State Bank of Virginia money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northern State Bank of Virginia? Share your experience about Northern State Bank of Virginia by leaving a review below, or read customer reviews before you decide to use Northern State Bank of Virginia. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Current Rate AvailabilityWe're not currently displaying rates for Northern State Bank of Virginia, but our database is updated constantly, so check back soon for the latest offers. Are you with Northern State Bank of Virginia? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryNorthern State Bank of Virginia’s Texas Ratio fell from 0.73% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Northern State Bank of Virginia is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Northern State Bank of Virginia rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Northern State Bank of Virginia's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Northern State Bank of Virginia
Website
https://www.nsbov.com
Address
600 Chestnut St,
Virginia, MN 55792 · St. Louis
Bank Holding Company
BENIC HOLDINGS INC
FDIC Certificate #
19589
Regulator
FDIC
Established
May 19, 1966
FDIC Insurance Date
May 19, 1966
Domestic Offices
2
Total Branches
2
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1542%
Return on Equity (ROE)
11.5100%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$101,965,000
Total Deposits
$91,234,000
Equity Capital
$10,387,000
Net Income
$587,000
Headquarters
Virginia
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About Northern State Bank of VirginiaHow many branches does Northern State Bank of Virginia operate?Northern State Bank of Virginia currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Northern State Bank of Virginia does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Northern State Bank of Virginia provides members with tools to manage their accounts and build a solid financial history. Does Northern State Bank of Virginia offer online and mobile banking?Most modern institutions like Northern State Bank of Virginia provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nsbov.com. Compare to Other Banks
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