Village Bank
Saint Francis, MN
IDRSSD: 2010722
Total Assets
$418.38M
Latest filing
Total Deposits
$361.13M
Latest filing
Net Interest Margin
3.64%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Village Bank
3350 Bridge St Nw
Saint Francis, MN 55070
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/11/1993FDIC Certificate 47971
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Village Bank (Main) | 3350 Bridge St Nw | Saint Francis, MN |
| BLAINE BRANCH | 9298 Central Ave Ne | Blaine, MN |
| ANOKA-RAMSEY BRANCH | 7125 Riverdale Dr Nw | Ramsey, MN |
| EAST BETHEL BRANCH | 18770 Highway 65 Ne | East Bethel, MN |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/11/1993 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55070 |
| State and County Number | 27003 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/11/1993 |
| Primary Insurance Agency | DIF |
| Website | www.villagebankonline.bank |
| Data Updated | 01/30/2026 |
| CERT | 33761 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $418.38M |
| Total Deposits | $361.13M |
| Total Liabilities | $389.46M |
| Total Equity Capital | $28.92M |
| Net Income | $649.00k |
| Net Loans and Leases | $288.02M |
| Assets Per Employee ($Millions) | $7.61M |
| Bank Premises and Fixed Assets | $4.13M |
| Cash and Balances due from Depository Institutions | $9.35M |
| Deposits Held in Domestic Offices | $361.13M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 9.09% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 61.7% |
| Tier 1 Risk-Based Capital Ratio | 12.385% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.73% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.913% |
| Earning Assets to total Assets | 95.01% |
Income and Expense
| Total Interest Income | $5.21M |
| Total Noninterest Income | $457.00k |
| Total Interest Expense | $1.61M |
| Total Noninterest Expense | $2.50M |
| Net Interest Income | $3.60M |
| Pre-tax Net Operating Income | $790.00k |
| Provision for Credit Losses | $762.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $26.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.33M |
| Total Liabilities and Capital | $418.38M |
Securities
| Securities | $104.94M |
| Available-for-sale debt securities | $104.94M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Village Bank?
$418.38M as of the latest filing.
How much are Village Bank's total deposits?
$361.13M in total deposits.
Where is Village Bank located?
Saint Francis, MN.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
4.
When was it established?
01/11/1993.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$288.02M (latest filing).
What is the total interest income (latest filing)?
$5.21M.