Village Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Village Bank of Saint Francis, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.35% | -0.61% | 20th bottom |
| ROAE | 10.75% | 12.05% | -1.30% | 41st below |
| Net Interest Margin | 3.61% | 3.90% | -0.29% | 32nd below |
| Efficiency Ratio | 72.43% | 63.15% | +9.28% | 24th bottom |
| PPNR / Avg Assets | 1.04% | 1.64% | -0.60% | 22nd bottom |
| Yield on Earning Assets | 5.19% | 5.65% | -0.46% | 31st below |
| Cost of Funds | 1.66% | 1.85% | -0.19% | 59th above |
| Net Interest Spread | 3.01% | 3.35% | -0.34% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.92% | -0.16% | 35th below |
| NPA / Total Assets | 1.04% | 0.67% | +0.37% | 19th bottom |
| NCO / Avg Loans | 0.17% | 0.15% | +0.02% | 14th bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 149.73% | 1645.78% | -1496.05% | 40th below |
| Texas Ratio | 13.40% | 7.15% | +6.25% | 15th bottom |
| Provision / NCO | 22.79% | 1189.91% | -1167.12% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.43% | 20.83% | -8.40% | 22nd bottom |
| Tier 1 Ratio | 12.43% | 20.87% | -8.44% | 21st bottom |
| Total Capital Ratio | 13.58% | 21.94% | -8.36% | 22nd bottom |
| Leverage Ratio | 8.98% | 12.46% | -3.48% | 12th bottom |
| Equity / Assets | 7.06% | 11.67% | -4.61% | 7th bottom |
| TCE / Tangible Assets | 7.06% | 11.40% | -4.34% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.76% | 78.64% | +2.12% | 50th above |
| Core Deposit Ratio | 95.23% | 87.09% | +8.14% | 85th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.64% | 5.11% | -1.47% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.66% | 6.47% | -2.81% | 44th below |
| Loan Growth (Y/Y) | 5.17% | 7.64% | -2.47% | 49th below |
| Deposit Growth (Y/Y) | 0.48% | 6.03% | -5.55% | 26th below |
See Village Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Village Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Village Bank profile, how to read a UBPR, or how this data updates.