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Village Bank
Saint Francis, MN · FDIC Certificate #33761 · Chartered 01/1
Total assets
$411.87M
Total deposits
$366.17M
Total equity
$29.09M
Net loans
$292.33M
Branches (offices)
4
Net income (YTD)
$1.38M
Rank: #2,031 of 4,213 U.S. banks by assets · #63 of 221 in Minnesota. Assets changed 3.7% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.67% |
| Return on equity | 9.59% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 7.06% |
| Tier 1 leverage ratio | 8.98% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 1.40% |
| Loans to deposits | 79.8% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $231.43M | 79.2% | |
| Commercial & industrial | $60.04M | 20.5% | |
| Consumer / individual | $288.00K | 0.1% | |
| Construction & development | $24.13M | 8.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $412.94M | $391.44M | $1.38M | $19.05M |
| Jun 2023 | $396.03M | $375.06M | $588.00K | $17.30M |
| Jun 2024 | $401.58M | $372.28M | $1.00M | $20.30M |
| Jun 2025 | $397.33M | $364.43M | $1.42M | $26.05M |
| Jun 2026 | $411.87M | $366.17M | $1.38M | $29.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $366.17M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $366.17M.
Similar-sized banks
The Bank Of Tioga ($412.07M) · Bank Of Lexington, Inc. ($410.81M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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