Saint Francis, MN · Cert 33761 · Village Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #43 of 125 inst. · $0.4B of $253.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.72% | 0.60% | 0.57% | 0.60% | 0.60% | 0.52% | 0.68% | +11 bps | |
| Return on Equity | 11.94% | 12.52% | 10.33% | 8.94% | 8.96% | 8.73% | 7.54% | 9.73% | +78 bps | |
| Net Interest Margin | 2.92% | 3.01% | 3.07% | 3.40% | 3.35% | 3.36% | 3.32% | 3.43% | +2 bps | |
| Efficiency Ratio | 76.12% | 73.24% | 75.75% | 71.17% | 71.65% | 61.70% | 75.39% | 73.07% | +190 bps | |
| Non-Interest Burden | 2.11% | 2.09% | 2.23% | 2.29% | 2.27% | 1.91% | 2.40% | 2.39% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | -2.13% | -0.31% | -1.06% | 1.11% | 4.16% | 2.54% | 3.66% | +472 bps | |
| Loan Growth (YoY) | 7.24% | 5.72% | 5.35% | 1.16% | 2.67% | 4.33% | 2.35% | 5.17% | +400 bps | |
| Deposit Growth (YoY) | 0.26% | -2.37% | -2.14% | -2.11% | -5.15% | -4.28% | -5.10% | 0.48% | +258 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.70% | 1.00% | 0.95% | 0.88% | 2.05% | 1.88% | 0.56% | 0.40% | -49 bps | |
| Net Charge-Offs / Loans | -0.21% | 0.36% | 0.12% | 0.02% | 0.02% | 0.00% | 2.65% | 0.16% | +15 bps | |
| Allowance / Loans | 1.43% | 1.33% | 1.32% | 1.36% | 1.47% | 1.69% | 1.14% | 1.14% | -22 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.3x | 1.4x | 1.5x | 0.7x | 0.9x | 2.0x | 2.9x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.32% | 8.48% | 8.76% | 8.87% | 8.93% | 8.62% | 8.78% | 8.98% | +11 bps | |
| Total Risk-Based Capital | 13.55% | 13.53% | 13.66% | 13.91% | 13.94% | 13.64% | 13.52% | 13.58% | -32 bps | |
| Equity / Assets | 5.96% | 5.55% | 6.09% | 6.56% | 6.81% | 6.91% | 6.90% | 7.06% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.07% | 74.43% | 77.62% | 77.16% | 78.01% | 81.13% | 83.71% | 80.76% | +360 bps | |
| Liquid Assets / Assets | 2.95% | 1.39% | 0.33% | 0.90% | 0.74% | 1.09% | 0.35% | 0.54% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 485% | 497% | n/a | n/a | |