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Village Bank Saint Francis, MN

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Village Bank Saint Francis, MN Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Village Bank Saint Francis, MN provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Village Bank Saint Francis, MN's top rate as of October 11, 2026 is 0.50% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Village Bank Saint Francis, MN with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.19%. Rates last updated and verified on 10/11/2026.

Village Bank Saint Francis, MN money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Village Bank Saint Francis, MN? Share your experience about Village Bank Saint Francis, MN by leaving a review below, or read customer reviews before you decide to use Village Bank Saint Francis, MN.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.19%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Village Bank

3350 Bridge St Nw
Saint Francis, MN 55070

https://www.villagebankonline.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Village Bank Saint Francis, MN Checking Rates

Product	Rate	APY	View More
eChecking	-	0.50%
Min Deposit $50 Min Balance $7,500 Details Qualifications Required: 14 debit card purchases post and clear (Must be $5 or greater per transaction); $500 in direct deposit(s); monthly eStatements; 0.01% APY on balances exceeding $7,500 or full balances if qualifications are not met. ATM fee refunds up to $10 per month Last Updated 10/11/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Village Bank Saint Francis, MN’s Texas Ratio rose from 0.54% in Q3 2023 to 7.19% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 1.8 to 5.0 and its Health Grade from D to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$412M	7.19%	5.0	A
March 31, 2026	$410M	8.98%	4.9	A
December 31, 2025	$418M	15.22%	4.9	A-
September 30, 2025	$414M	15.59%	4.8	B+
June 30, 2025	$397M	8.80%	4.6	A-
March 31, 2025	$400M	9.11%	4.1	B
December 31, 2024	$402M	9.98%	3.6	B-
September 30, 2024	$409M	1.84%	4.0	B+
June 30, 2024	$402M	3.35%	3.1	C+
March 31, 2024	$401M	0.42%	3.0	C+
December 31, 2023	$410M	0.41%	2.9	C+
September 30, 2023	$400M	0.54%	1.8	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Village Bank Saint Francis, MN is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Village Bank Saint Francis, MN rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Village Bank Saint Francis, MN's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Village Bank Saint Francis, MN

Website https://www.villagebankonline.bank

Address 3350 Bridge St Nw, Saint Francis, MN 55070 · Anoka

Bank Holding Company VILLAGE BANCSHARES INC

FDIC Certificate # 33761

Regulator FDIC

Established January 11, 1993

FDIC Insurance Date January 11, 1993

Domestic Offices 4

Total Branches 4

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.19%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.6670%

Return on Equity (ROE)

9.5900%

Non-Performing Loans Ratio (NPL)

0.28%

Total Assets

$411,867,000

Total Deposits

$366,169,000

Equity Capital

$29,089,000

Net Income

$1,379,000

Headquarters

Saint Francis

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Village Bank Saint Francis, MN earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Village Bank Saint Francis, MN

How many branches does Village Bank Saint Francis, MN operate?

Village Bank Saint Francis, MN currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Village Bank Saint Francis, MN does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Village Bank Saint Francis, MN provides members with tools to manage their accounts and build a solid financial history.

Does Village Bank Saint Francis, MN offer online and mobile banking?

Most modern institutions like Village Bank Saint Francis, MN provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.villagebankonline.bank.