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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.55% | 0.60% | 0.58% | 0.59% | 0.59% | 0.52% | 0.60% | +1 bps | |
| Return on Equity | 9.28% | 10.31% | 10.33% | 9.62% | 9.37% | 9.25% | 7.54% | 8.60% | -102 bps | |
| Net Interest Margin | 2.85% | 2.89% | 3.07% | 3.25% | 3.27% | 3.19% | 3.32% | 3.38% | +13 bps | |
| Efficiency Ratio | 79.99% | 78.26% | 75.75% | 73.36% | 72.78% | 69.87% | 75.39% | 74.21% | +85 bps | |
| Non-Interest Burden | 2.19% | 2.16% | 2.23% | 2.27% | 2.26% | 2.10% | 2.40% | 2.40% | +13 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 | -0.02% | 0.08% | 0.12% | 0.07% | 0.05% | 0.04% | 2.65% | 1.38% | +131 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 | |