FDIC Cert #5105 · Virginia, Minnesota · Est. 1902

B2 Bank National Association - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$72M
Total assets
C
Health grade · Fair
-0.63%
Return on assets
16.0%
Tier 1 capital

Data updated July 2026

The verdict

B2 Bank National Association earns a PlainBankData health grade of C (60/100), with well-capitalized at 15.97% Tier 1, -0.63% ROA, 107% efficiency ratio.

#3,969
largest of 4,313 FDIC banks by assets
8th
percentile by asset size, nationally
15.97%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 5105 · MN C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3832/4307
  • PHOTO-FINISH The First National B… · MI
  • TIER1-WELL 16.0% Tier 1
  • TEXAS-CLEAN 4.0% Texas
  • ROA-LOSS -0.63% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: The First National Bank of St. Ignace, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around B2 Bank

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100B2 Bank National Ass… · MN ·…60/100Horizon Bank · IN · near60/100Legends West Bank · NE · near60/100The First National B… · MI ·…60/100Vista National Bank… · KS · …60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around B2 Bank · July 2026

Call Report read for B2 Bank in a high-failure state

B2 Bank National Association (FDIC Cert #5105) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,832 of 4,307. Tier 1 capital prints at 15.97%, clearing the 10% well-capitalized line. The Texas Ratio is 4.02%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.63%. Balance-sheet scale is $72M, 3,969th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of St. Ignace (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around B2 Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

B2 Bank National Association sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about B2 Bank National Association's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How B2 Bank National Association's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
B2 Bank National Association's composite health score
Tier 1 Capital Ratio (15.97%) 40/40
Return on Assets (ROA) (-0.63%) 0/25
Texas Ratio (4.02%) 20/20
Efficiency Ratio (107.10%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$72M

Total balance-sheet footings

Total Deposits

$60M

Customer-funded liabilities

Net Loans

$35M

Outstanding loan book

Net Income

$-480K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.57% 15.97% 17.37%
Basel III capital ratios - B2 Bank National Association

Where B2 Bank National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. B2 Bank National Association's score of 60/100 falls in the highlighted band.

B2 Bank National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 11th percentile higher than 11% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. B2 Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

B2 Bank National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). B2 Bank National Association's $72M falls in the highlighted band.

Capital & credit buffers at B2 Bank

Tier 1 capital ratio
Well-capitalized 10%

15.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.97%
Texas Ratio
4.02%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: B2 Bank

Return on Assets (ROA)
3rd percentile nationally
-0.63%
Return on Equity (ROE)
-4.27%
Efficiency Ratio
107.10%

What these mean →

Income & expense: loss period at B2 Bank

$4M
Interest Income
$5M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. B2 Bank National Association reports a Texas Ratio of 4.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at B2 Bank National Association

B2 Bank National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-480K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at B2 Bank National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View B2 Bank National Association on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($72M here), outside Minnesota so the neighborhood is not state containment.

Riverside Bank $72M · AR Homestead Savings Bank $72M · MI Peoples State Bank $72M · ND Clinton Bank $72M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) B2 Bank National Association (FDIC Cert #5105) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

B2 Bank National Association Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%