Village Bank
Asset quality shifted last quarter — NPLs fell to 1.62% from 2.36% in the prior period. Village Bank is an FDIC-insured commercial bank. Village's Q1 2026 balance sheet shows $410M in assets funded primarily by $347M in customer deposits. Returns are subdued: 0.58% ROA and 8.50% ROE. Capital cushions are healthy: 12.34% CET1, 8.78% Tier 1 leverage. Credit conditions bear watching: 1.62% NPL ratio with a 15.26% Texas Ratio (elevated but below the 100% concern level). 4 branches make up the footprint.
Headquarters Profile
- Address
- 3350 Bridge St Nw, SAINT FRANCIS, MN 55070
- County
- Anoka
- Metro Area
- MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 11, 1993
- Branches
- 4 domestic
- Employees (FTE)
- 52
- FDIC Cert
- 33761
- Fed RSSD
- 2010722
- Website
- www.villagebankonline.bank →
- Parent Holding Company
- VILLAGE BANCSHARES, INC. (RSSD 2265867)
Capital & Liquidity
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Village Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Village Bank
What are Village Bank's total assets?
As of the Q1 2026 filing, Village Bank reported total assets of $410.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Village Bank headquartered?
Village Bank is headquartered in SAINT FRANCIS, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Village Bank founded?
Village Bank was established in 1993, per the FDIC institution directory.
Is Village Bank FDIC-insured?
Yes. Village Bank is an FDIC-insured commercial bank (FDIC Certificate #33761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Village Bank?
Village Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Village Bank's CET1 capital ratio?
Village Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.34% in its most recent quarterly filing — above regulatory minimums.
How many branches does Village Bank operate?
Village Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Village Bank's Texas Ratio?
Village Bank's Texas Ratio is 15.26% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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