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

Unfavorable gap of $10.0M · efficiency ratio beats 19% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.60%	0.73%	1.11%	1.30%	Beats 17%	44 / 53
Return on Equity	8.50%	7.88%	12.20%	14.12%	Beats 28%	38 / 53
Net Interest Margin	3.38%	3.39%	3.77%	4.09%	Beats 23%	41 / 53
Efficiency Ratio	74.21%	56.05%	65.05%	71.57%	Beats 19%	44 / 53
Asset Quality
Nonperforming Loans / Loans	0.40%	0.14%	0.52%	1.20%	Beats 55%	25 / 53
Net Charge-Offs / Loans	0.70%	0.00%	0.01%	0.08%	Beats 8%	50 / 53
Capital
Tier 1 Capital Ratio	12.43%	10.73%	12.98%	15.08%	Beats 43%	30 / 53
Total Risk-Based Capital Ratio	13.58%	11.49%	13.79%	16.34%	Beats 47%	28 / 53
Equity / Assets	7.06%	8.08%	9.25%	10.72%	Beats 9%	48 / 53
Liquidity & Funding
Loans / Deposits	80.76%	72.13%	82.29%	93.80%	45th pctl	29 / 53
Loans / Assets	71.80%	63.64%	71.80%	79.37%	49th pctl	27 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution