BENIC HOLDINGS INC is the parent banking group. NORTHERN STATE BANK OF VIRGINIA is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

BENIC HOLDINGS INC

Legal name: BENIC HOLDINGS, INC.

1 active bank · $102M combined assets

RSSD ID: 5217915 (FFIEC NIC)

Combined Assets

$102M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankNORTHERN STATE BANK OF VIRGINIAVIRGINIA, MNSatisfactory$102MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$102M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$92M

Net Income

$355K

ROA (avg)

1.4%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

100%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
NORTHERN STATE BANK OF VIRGINIA	VIRGINIA, MN	FDIC	$102M	100.0%	Satisfactory	Dec 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.