This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Owatonna, MN
Health score
73.8
Total assets
$103.3M
Bank
Virginia, MN
Health score
85.9
Total assets
$102.0M
Answer first
Community Bank Owatonna leads on growth; Northern State Bank of Virginia leads on financial health and capitalization and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Northern State Bank of Virginia
Higher TFS health score
Capitalization
Northern State Bank of Virginia
Higher comparable capital ratio
Profitability
Northern State Bank of Virginia
Higher return on assets
Lending quality
Northern State Bank of Virginia
Lower problem-loan measure
Growth
Community Bank Owatonna
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Community Bank Owatonna | Northern State Bank of Virginia |
|---|---|---|
| TFS health score | 73.8/100 | 85.9/100Leads |
| Total assets | $103.3M | $102.0M |
| Total deposits / shares | $94.7M | $91.2M |
| Tier 1 capital ratio | 7.98% | 10.17%Leads |
| Return on assets | 0.81% | 1.15%Leads |
| Return on equity | 11.59%Leads |
Community Bank Owatonna
1 branches
Northern State Bank of Virginia
2 branches
Both institutions report branches in 1 state: MN.
Community Bank Owatonna
Unavailable
Northern State Bank of Virginia
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Community Bank Owatonna
0 in TFS registry
Northern State Bank of Virginia
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Community Bank Owatonna score | Community Bank Owatonna ROA | Northern State Bank of Virginia score | Northern State Bank of Virginia ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.12% | — | 0.61% |
| 2024-Q4 | — | 0.03% | — | 0.67% |
| 2025-Q1 | — | 0.32% | — | 0.92% |
| 2025-Q2 | — | 0.40% | — | 0.97% |
| 2025-Q3 | — | 0.56% | — | 1.10% |
| 2025-Q4 | — | 0.63% | — | 1.23% |
| 2026-Q1 | 74.5/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 11.51% |
| Non-performing loans | 0.42% | 0.00%Leads |
| Net charge-offs | 0.00%Leads | 0.15% |
| Efficiency ratio | 67.21% | 60.88%Leads |
| Loan-to-deposit ratio | 76.56% | 79.21% |
| Asset growth (YoY) | 9.81%Leads | 2.87% |
| Deposit / share growth (YoY) | 9.59%Leads | 2.35% |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.84% |
| 88.3/100 |
| 1.40% |
| 2026-Q2 | 73.8/100 | 0.81% | 85.9/100 | 1.15% |