Total Assets
$72M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$60M
Customer-funded liabilities
Net Loans
$35M
Outstanding loan book
Net Income
$-480K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.63%
Return on Equity (ROE)
-4.27%
Efficiency Ratio
107.10%
What the numbers say about B2 Bank National Association
B2 Bank National Association is an FDIC-insured institution (Certificate #5105) headquartered in Virginia, Minnesota, established in 1902. It holds $72M in total assets - 3,969th of 4,313 FDIC-insured banks, $60M in customer deposits, and $35M in net loans. Looking at capital strength, Tier 1 stands at 15.97%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.02%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, B2 Bank National Association ranks 196th of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Minnesota by total assets
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.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is B2 Bank National Association's health grade?▼
B2 Bank National Association receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is B2 Bank National Association?▼
B2 Bank National Association holds $72M in total assets and $60M in deposits, ranking 3,969th of 4,313 FDIC-insured banks by asset size. It is headquartered in Virginia, Minnesota.
Is my money safe at B2 Bank National Association?▼
Yes, deposits at B2 Bank National Association (Certificate #5105) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is B2 Bank National Association's Tier 1 Capital Ratio?▼
B2 Bank National Association has a Tier 1 Capital Ratio of 15.97%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for B2 Bank National Association?▼
B2 Bank National Association has a Texas Ratio of 4.02%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is B2 Bank National Association?▼
B2 Bank National Association has an Efficiency Ratio of 107.10%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read B2 Bank National Association's profile as a depositor or analyst.
- B2 Bank National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare B2 Bank National Association against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.