Headquartered in Saint Francis, Minnesota, Village Bank is a state-chartered bank with $411.9M in total assets and $366.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1993.
Based on its Q2 2026 filing, Village Bank scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 166th. Its strongest component is loan quality (87/100; 0.40%), and its lowest is capital cushion (40/100; 8.98%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (57 → 62), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 47 |
| Q4 2024 | 54 |
| Q1 2025 | 56 |
| Q2 2025 | 57 |
| Q3 2025 | 46 |
| Q4 2025 | 46 |
| Q1 2026 | 58 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.21% |
| Q3 2024 | 8.32% |
| Q4 2024 | 8.48% |
| Q1 2025 | 8.76% |
| Q2 2025 | 8.87% |
| Q3 2025 | 8.93% |
| Q4 2025 | 8.62% |
| Q1 2026 | 8.78% |
| Q2 2026 | 8.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.95% |
| Q2 2025 | 0.88% |
| Q3 2025 | 2.05% |
| Q4 2025 | 1.88% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $411.9M | 8.98% | 0.40% | 0.67% | 79.8% |
| Q1 2026 | 58 | $410.2M | 8.78% | 0.56% | 0.59% | 82.8% |
| Q4 2025 | 46 | $418.4M | 8.62% | 1.88% | 0.68% | 79.8% |
| Q3 2025 | 46 | $413.8M | 8.93% | 2.05% | 0.71% | 76.9% |
| Q2 2025 | 57 | $397.3M | 8.87% | 0.88% | 0.71% | 76.1% |
| Q1 2025 | 56 | $400.0M | 8.76% | 0.95% | 0.75% | 76.6% |
| Q4 2024 | 54 | $401.7M | 8.48% | 1.00% | 0.67% | 73.4% |
| Q3 2024 | 47 | $409.2M | 8.32% | 1.70% | 0.60% | 71.0% |
| Q2 2024 | 47 | $401.6M | 8.21% | 1.59% | 0.50% | 73.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank SouthwestBank Pipestone, MN | 70 out of 100, Strong | $409.9M | 9.7% | 0.71% | vs |
| Sentry BankBank Saint Joseph, MN | 70 out of 100, Strong | $415.5M | 8.7% | 0.00% | vs |
| Crown BankBank Edina, MN | 45 out of 100, Below average | $402.0M | 8.4% | 1.15% | vs |
| BankCherokeeBank Saint Paul, MN | 68 out of 100, Moderate | $401.9M | 11.0% | 0.17% | vs |
| My Kind of Bank, National AssociationBank Ottertail, MN | 64 out of 100, Moderate | $422.6M | 9.0% | 0.96% | vs |
| The Citizens National Bank of Park RapidsBank Park Rapids, MN | 72 out of 100, Strong | $397.0M | 11.7% | 1.10% | vs |
Deposit insurance
Is my money safe at Village Bank?
Yes. Village Bank is an FDIC-insured institution (FDIC certificate #33761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.3% of deposits ($92.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.58% (benchmark: 10%).
4 locations
Branches
Village Bank lists 4 offices in 4 cities. Most locations:
- Blaine, MN (1)
- East Bethel, MN (1)
- Ramsey, MN (1)
- Saint Francis, MN (1)
Identity & history
Profile
- Legal name
- Village Bank
- Type
- State-chartered bank
- FDIC certificate #
- 33761
- RSSD ID
- 2010722
- Primary regulator
- FDIC
- Holding company
- Village Bancshares Inc
- Established
- January 11, 1993
- Headquarters
- 3350 Bridge St Nw, Saint Francis, MN 55070
- Website
- www.villagebankonline.bank
- Employees
- 56
Quick answers
Village Bank: common questions
Is Village Bank FDIC insured?
Yes. Village Bank is an FDIC-insured institution (FDIC certificate #33761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Village Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Village Bank ever failed?
There is no failure record for FDIC certificate #33761 in the FDIC failed bank list.
How many branches does Village Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Francis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Liberty Bank MinnesotaBank Saint Cloud, MN | 86 out of 100, Very strong | $290.2M | 12.9% | 0.00% | vs |
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Security State Bank of MarineBank Marine On St. Croix, MN | 82 out of 100, Strong | $232.5M | 10.9% | 0.13% | vs |
| The First National Bank of MilacaBank Milaca, MN | 81 out of 100, Strong | $293.2M | 10.8% | 0.37% | vs |
| Members Choice Wv Federal Credit UnionCredit union Charleston, WV | 81 out of 100, Strong | $93.6M | 21.6% | 1.03% | vs |
| Sherburne BankBank Becker, MN | 78 out of 100, Strong | $351.1M | 9.5% | 0.02% | vs |