# VILLAGE BANK
SAINT FRANCIS, MN · FDIC certificate 33761 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $411.9M | |
| Deposits | $366.2M | |
| Loans and leases | $295.7M | |
| Total equity | $29.1M | |
| Loans / deposits | 79.83% (p45 of band) | 82.04% |
| Liquid assets / assets | 24.84% (p50 of band) | |
| Uninsured deposits / deposits | 25.33% (p47 of band) | 25.97% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 3.77% (p52 of band) | |
| FHLB advances / assets | 3.64% | |
| Tier 1 leverage | 8.98% (p12 of band) | 10.81% |
| Unrealized securities loss / equity | -28.67% (p14 of band) | -8.10% |
| AOCI / equity | -1.47% (p13 of band) | |
| ROA (annualized) | 0.67% (p16 of band) | 1.28% |
| Net interest margin | 3.61% (p34 of band) | 3.91% |
| Efficiency ratio | 74.21% (p81 of band) | |
| Noncurrent loans | 0.40% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | 0.99% (p98 of band) | |
| Reserve coverage of noncurrent | 289.23% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 82.97% (p79 of band) | |
| Auto loans | $117,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | leverage <5% |  |
| 2011-09 | 9 | capital falling |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 11 | charge-offs p90, deposits shrinking, assets shrinking | expense ratio p90 |
| 2012-06 | 11 |  |  |
| 2012-09 | 11 | uninsured deposits leaving | capital falling |
| 2012-12 | 11 |  |  |
| 2013-03 | 8 |  | losing money, charge-offs p90, uninsured deposits leaving |
| 2013-06 | 6 |  | leverage <5% |
| 2013-09 | 6 |  |  |
| 2013-12 | 5 |  | leverage <7% |
| 2014-03 | 3 |  | deposits shrinking, assets shrinking |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | construction >100% equity |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | construction >100% equity | noncurrent p90 |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | construction >100% equity |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 4 | construction >100% equity | capital falling |
| 2022-12 | 2 |  | charge-offs p90, construction >100% equity |
| 2023-03 | 3 | expense ratio p90, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | expense ratio p90 |
| 2024-03 | 2 | construction >100% equity |  |
| 2024-06 | 5 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 4 |  | capital falling |
| 2024-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 1 |  | construction >100% equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | noncurrent p90, reserve under noncurrent, deposits shrinking | securities losses >30% of equity |
| 2025-12 | 1 |  | noncurrent p90, deposits shrinking |
| 2026-03 | 3 | securities losses >30% of equity, charge-offs p90, deposits shrinking | reserve under noncurrent |
| 2026-06 | 1 |  | securities losses >30% of equity, deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-13 [Village Bank - Twin Cities Business](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5ENk1LSC1vcWRvcXJhdmNwODF5Q2lzdm56TTg1YndPMUI4SHU4X011aVM2U29idVBnZ1VxVE9Sa2pkbnV3MkNINzRxZDFudXlOX1ZJaFNR?oc=5) · Twin Cities Business
- 2025-11-21 [Village Bank marks 20 years in Ramsey with a modern refresh and a continued commitment to community - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNRlNPeGExejRUVXROZVAxX0QyM1dGTFowZTlQRHY0a29xOUtfa2F4ZWVYdTFvOVFSdjMyUlNEcU9EQUpld05fbHhTejJCLUlrU0dOdUctb016VUNnc3R2cDcyQzhEVjhDb0lSUUo0VVNTWGNwMEg3cTl2Q1lvTjNRaDhXWEZWa0tsbHNFcENrYjQ3YzVxRks3dm56a0ZPbjZFOGNGc1NWRWNCSFk?oc=5) · The Business Journals
- 2024-10-26 [TowneBank to acquire Village Bank for $120M - Virginia Business](https://news.google.com/rss/articles/CBMifEFVX3lxTE9KMWtpdDRPdkNkcG5DWVVrMnljNTRicDBiOHU5MXMxWmxfOWlVRk1haTN1SDg2Z3VMcTkwcGVZeUlJZ0RWV1p0bFJUUHVWWVRESmJtQk80Qko3NlozZTZfMll1anJVLTNDbHZvRnVSTmJ6V3FISDZ1NVFwLTY?oc=5) · Virginia Business
- 2019-04-18 [Progress MN: Village Bank - Finance & Commerce](https://news.google.com/rss/articles/CBMib0FVX3lxTE1DSG4tYkh4LURXdnJWcVRCZVpVX3o0V21feElfdmRuTlBLbkRvb0ptQUJJdUJ3dThFaDZRbGRBMC1ZU1lBTWRKSkxyM0tOLUM4SFhVLXNCeVdSTy1OWE0tYnBaWDhzYzV5U1JNN09tMA?oc=5) · Finance &amp; Commerce
- 2021-08-22 [PPP work helped Minnesota's community banks gain ground on bigger ones - startribune.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOMGZqeURzVVFscGYtQzN3S01tYW9vVlZFcWoyR0w2cElyN2ZJbTREMUNoWmkyM2FVWndBTXZQbHVGWGwyR1ByeEprNktXRE5NaXk1b1lPaVBZS283MU5ib0pPc3RXQWZ2RjN3bm9VZkgzQ0QtMjhfSjdrbTdTM3VkNzVXZWJHdTZmNUdadDlreDRmaFplN3U4czdJdHNrSU01cWtWMWJUX3dxZ00?oc=5) · startribune.com
- 2018-12-04 [Daughter of founder takes reins at Village Bank - hometownsource.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQX2NfcjljVmdTSzN3LXpVckNyZnJ3NTJWMGtuRkp4U0U2UUpEMUpEVnFfVlZBRnlhSE8zNjZZampoVTVJN2hoNGp5d2hwOGJnZHFjVGFGLW1ZVkJWX3BFTDd0N21HZVBhcG5LaVN2OEdydExPUlFvaWQtOE9JLUNiSnJnQUNGZzVzTE9MVHZMRDlnU0ttWGhFSkNhOTdwT1BVTlcybE9RMnZFVVVwbVZvSW5NZ0J4VnJ5WGdNbXoteW5aR3hyRGdsZTYxV1NzMDJKSk1CSGJnREdranRGYnQ2eS13?oc=5) · hometownsource.com
- 2026-08-13 [Village Bank launches retail incubator as it expands into two Massachusetts towns - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNFJoYjR2X0dCQmZJMWk4c1cyOHYxTXljbHpjSGNYTlAyQTNLeXI5ZFIxY2xuTGJaMm5UQ1JvelZTOVFhZWw4U0lPeVZoZWlxVGs1TS1FdGUzakVWWXpVaGFZQlpMVjZIMGplRDhoTlNKU2Q3ckFjaXU5Tm9ZSm50bVJtVGh1OXdvMzNTVVhMTVFNbTE2NzBRdQ?oc=5) · The Business Journals
- 2021-02-11 [Aleesha Webb - Twin Cities Business](https://news.google.com/rss/articles/CBMiUkFVX3lxTE5kTklKdjV6Rkc5R0NEbjJDLW1EeHNpdzdfMVh4ZGtQSkJ3b3ZYM1V0a0w2YVI4TG9Sc05GZVEyNEtTOUYtVmZnMi1FUUF3em1abnc?oc=5) · Twin Cities Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33761 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "33761", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide