Village Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 28.44 percentage points higher than in Q1 2026, at 149.73%. Village Bank ranks 193rd of 221 Minnesota banks on return on assets, in the lower half at 0.74% (Q2 2026). Village Bank reported 0.74% on return on assets for Q2 2026, 0.51 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.43% |
| Tier 1 risk-based capital ratio | 12.43% |
| Total risk-based capital ratio | 13.58% |
| Tier 1 leverage ratio | 8.98% |
| Equity capital to assets | 7.06% |
| Tangible equity to tangible assets | 7.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 1.04% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 13.40% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 149.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 10.75% |
| Net interest margin | 3.61% |
| Efficiency ratio | 72.43% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.76% |
| Core deposits to total deposits | 95.23% |
| Brokered deposits to total deposits | 0.14% |
| Deposits to assets | 88.90% |
| Securities to assets | 22.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.19% | 12.19% | 13.45% | 8.11% | 0.61% |
| Q4 2023 | 12.07% | 12.07% | 13.32% | 8.27% | 0.77% |
| Q1 2024 | 12.02% | 12.02% | 13.27% | 8.23% | 0.53% |
| Q2 2024 | 11.80% | 11.80% | 13.06% | 8.21% | 0.43% |
| Q3 2024 | 12.30% | 12.30% | 13.55% | 8.32% | 0.78% |
| Q4 2024 | 12.28% | 12.28% | 13.53% | 8.48% | 0.85% |
| Q1 2025 | 12.41% | 12.41% | 13.66% | 8.76% | 0.73% |
| Q2 2025 | 12.65% | 12.65% | 13.91% | 8.87% | 0.66% |
| Q3 2025 | 12.69% | 12.69% | 13.94% | 8.93% | 0.70% |
| Q4 2025 | 12.39% | 12.39% | 13.64% | 8.62% | 0.61% |
| Q1 2026 | 12.38% | 12.38% | 13.52% | 8.78% | 0.58% |
| Q2 2026 | 12.43% | 12.43% | 13.58% | 8.98% | 0.74% |
Village Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Village Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33761) · FFIEC NIC profile (RSSD 2010722)