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Village Bank

Saint Francis, MN · Cert 33761 · Village Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Village Bank

Saint Francis, MN · Cert 33761 · Village Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$411.9MAssets
$295.7MLoans
$366.2MDeposits
$29.1MEquity
Loan mix
81%RE $234.2M19%C&I $53.9M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $270.6M26%Noninterest $95.6MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.66%Q2 ’254.89%Q2 ’26+15%+4%

Non-interest income vs. expense

2.70%Q2 ’242.70%Q2 ’252.82%Q2 ’26+2%+6%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #43 of 125 inst. · $0.4B of $253.2B

Executive Summary

  • Earnings: ROA of 0.60%, up 1 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.40% of loans (-49 bps YoY), with net charge-offs at 1.38%.
  • Capital: tier 1 leverage ratio of 8.98%, up 11 bps from a year ago.
  • Funding: loans stand at 80.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+13 bps YoY

Efficiency Ratio (YTD, annualized)

74.21%+85 bps YoY

Tier 1 Leverage Ratio

8.98%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.59%0.59%0.52%0.60%+1 bps
Return on Equity9.62%9.37%9.25%7.54%8.60%-102 bps
Net Interest Margin3.25%3.27%3.19%3.32%3.38%+13 bps
Efficiency Ratio73.36%72.78%69.87%75.39%74.21%+85 bps
Non-Interest Burden2.27%2.26%2.10%2.40%2.40%+13 bps
Growth
Asset Growth (YoY)-1.06%1.11%4.16%2.54%3.66%+472 bps
Loan Growth (YoY)1.16%2.67%4.33%2.35%5.17%+400 bps
Deposit Growth (YoY)-2.11%-5.15%-4.28%-5.10%0.48%+258 bps
Asset Quality
Nonperforming Loans / Loans0.88%2.05%1.88%0.56%0.40%-49 bps
Net Charge-Offs / Loans0.07%0.05%0.04%2.65%1.38%+131 bps
Allowance / Loans1.36%1.47%1.69%1.14%1.14%-22 bps
Allowance Coverage of NPLs1.5x0.7x0.9x2.0x2.9x+1.4x
Capital
Tier 1 Leverage Ratio8.87%8.93%8.62%8.78%8.98%+11 bps
Total Risk-Based Capital13.91%13.94%13.64%13.52%13.58%-32 bps
Equity / Assets6.56%6.81%6.91%6.90%7.06%+51 bps
Liquidity & Funding
Loans / Deposits77.16%78.01%81.13%83.71%80.76%+360 bps
Liquid Assets / Assets0.90%0.74%1.09%0.35%0.54%-36 bps
CRE / Total Capitaln/a472%485%497%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Village Bank

Saint Francis, MN · Cert 33761 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Village Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$411.9MAssets
$295.7MLoans
$366.2MDeposits
$29.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 55% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 25 of 53).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 50 of 53).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.60%

Rank 44 of 53

Net Interest Margin

3.38%

Rank 41 of 53

Efficiency Ratio

74.21%

Rank 44 of 53

Equity / Assets

7.06%

Rank 48 of 53

Non-interest income vs. expense

$1.7M$11.7MINCOMEEXPENSE
Unfavorable gap of $10.0M · efficiency ratio beats 19% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 74.21%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.73%1.11%1.30%Beats 17%44 / 53
Return on Equity8.50%7.88%12.20%14.12%Beats 28%38 / 53
Net Interest Margin3.38%3.39%3.77%4.09%Beats 23%41 / 53
Efficiency Ratio74.21%56.05%65.05%71.57%Beats 19%44 / 53
Asset Quality
Nonperforming Loans / Loans0.40%0.14%0.52%1.20%Beats 55%25 / 53
Net Charge-Offs / Loans0.70%0.00%0.01%0.08%Beats 8%50 / 53
Capital
Tier 1 Capital Ratio12.43%10.73%12.98%15.08%Beats 43%30 / 53
Total Risk-Based Capital Ratio13.58%11.49%13.79%16.34%Beats 47%28 / 53
Equity / Assets7.06%8.08%9.25%10.72%Beats 9%48 / 53
Liquidity & Funding
Loans / Deposits80.76%72.13%82.29%93.80%45th pctl29 / 53
Loans / Assets71.80%63.64%71.80%79.37%49th pctl27 / 53
Brokered Deposits / Depositsn/aNot reported for this institution