🏦Bank Scorer

B2 BANK NATIONAL ASSOCIATION

VIRGINIA, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1902FDIC #5,105
Satisfactory Down

Current rating · Exam: September 2025

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.68%

Is this bank safe?

B2 BANK NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2025), shows financial metrics that merit closer review (ROA -1.68%). Consumers may want to review the details below before banking here.

How this bank compares

Complaint Rate (national peers)

More complaints than 100% of Small banks

Institution Profile

FDIC BankFind

Address

8355 Unity Dr, VIRGINIA, MN

County

St. Louis County

Established

February 1, 1902

Total Assets

$62M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 8, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$62M

Total Deposits

$51M

Net Loans

$34M

Net Income

$-281K

ROA

-1.68%

Below avg for Small banks. Peer avg: 0.44%

ROE

-10.15%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-1.68%Peer avg: 0.44%▼ Below avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$60M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Sep 2025SatisfactorySmall Bank
Apr 2020OutstandingSmall Bank
Feb 2015OutstandingSmall Bank

5 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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