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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