Village Bank: how it compares with its peers
Against 87 MN banks with half to twice its assets, Village Bank's strongest measure in Q2 2026 is assets per employee ($7.4M vs. a $7.6M peer median). Its weakest relative measure is return on assets (0.67% vs. 1.35%).
| Measure | Village Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.35% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.61% | 3.97% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.21% | 60.70% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $7.6M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.83% | 82.45% | Context |
What it means for lending operations
Its efficiency ratio of 74.21% is above the 60.70% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank Southwest Pipestone, MN · $410M
- Sentry Bank Saint Joseph, MN · $415M
- Crown Bank Edina, MN · $402M
- BankCherokee Saint Paul, MN · $402M
- My Kind of Bank, National Association Ottertail, MN · $423M
- The Citizens National Bank of Park Rapids Park Rapids, MN · $397M
Questions about Village Bank
How big is Village Bank?
Village Bank, established in 1993, is headquartered in Saint Francis, MN. It reported $412M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Village Bank's return on assets?
0.67% annualized in Q2 2026, against a 1.35% median for 87 MN banks with half to twice its assets, ahead of 13% of them.
What is Village Bank's efficiency ratio?
74.21% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 60.70%, and lower is better.
Is Village Bank growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.