Village Bank and Trust
Village Bank and Trust reported total assets of $3.6 bn at Q2 2026, up 13.6% on a year earlier, the 355th largest of 497 banks in our US coverage. The CET1 capital ratio at Village Bank and Trust was 10.97%, and the uninsured share of Village Bank and Trust was 38.37%. Source: FDIC Call Reports.
Key takeaways
- Village Bank and Trust reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 30.37% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- On noncurrent loans to total loans, Village Bank and Trust climbed from 230th to 175th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- At 20.63%, the return on equity (ROE) of Village Bank and Trust sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 12.68% (FDIC Call Reports).
What sets Village Bank and Trust apart
- Few banks of $1 bn to $10 bn report a higher return on assets (ROA) than Village Bank and Trust, at 2.09% in against a group median of 1.32%.
- Village Bank and Trust reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.97% at , where the median of the 287 banks is 13.22%.
How large is Village Bank and Trust?
The balance sheet of Village Bank and Trust at : assets $3.6 bn, deposits $3.0 bn, net loans $2.8 bn (loans equal to 93.69% of deposits). Securities make up 17.7% of total assets at Village Bank and Trust. Since , when Village Bank and Trust held $1.3 bn, its assets grew 189.2%. In the year to , deposits at Village Bank and Trust rose 12.2% while its total assets rose 13.6%. At , Village Bank and Trust employed 121 full-time equivalent staff across 8 offices, about $30.0 mn of assets per employee and $370.1 mn of deposits per office.
How much funding at Village Bank and Trust is uninsured?
At Village Bank and Trust, uninsured deposits (above the FDIC limit) made up 38.37% of domestic deposits at (-0.79 pp on a year earlier); Village Bank and Trust ranks 212th of 500 on this measure. In dollars, Village Bank and Trust estimated $1.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.0 bn | +12.2% | 359th of 499 |
| Net loans and leases | $2.8 bn | +12.1% | 332nd of 500 |
| Loan-to-deposit ratio | 93.69% | -0.01 pp | 136th of 500 |
| Tier 1 leverage ratio | 9.53% | -0.38 pp | 366th of 500 |
| Total risk-based capital ratio | 11.88% | -0.07 pp | 419th of 448 |
| Net interest margin | 3.68% | +0.05 pp | 234th of 500 |
| Return on assets (ROA) | 2.09% | +0.14 pp | 39th of 500 |
| Efficiency ratio | 30.37% | -1.17 pp | 23rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $13.8 mn | Narrowed by $1.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $16.4 mn | Widened by $655,000 | |
| Noncurrent loans to total loans | 0.46% | -0.02 pp | 175th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.07% | -0.03 pp | 222nd of 500 (1 = lowest) |
US rank of Village Bank and Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Village Bank and Trust: assets, deposits and loans
- Total assets $3.6bn
- Deposits $3.0bn
- Net loans $2.8bn
Capital and securities
The CET1 ratio of Village Bank and Trust stood at 10.97% in , -0.14 pp year on year. Low and high at Village Bank and Trust since : 10.30% () to 11.37% (). Equity capital of Village Bank and Trust at : $362.7 mn, or 10.0% of total assets. Village Bank and Trust also reported a total capital ratio of 11.88% for , and a tier 1 leverage ratio of 9.53%.
On held-to-maturity securities, Village Bank and Trust carried an unrealized loss of $13.8 mn at , equal to 3.8% of equity capital. The loss narrowed by $1.9 mn over the year. Its deepest point: $24.9 mn in . The available-for-sale portfolio of Village Bank and Trust showed an unrealized loss of $16.4 mn at ; the loss widened by $655,000 over the year.
Village Bank and Trust: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.5%
Village Bank and Trust: unrealized securities gains and losses
- Available for sale -$16mn
- Held to maturity -$14mn
Profitability and loan quality
For the year to , Village Bank and Trust earned a return on equity of 20.63%; return on assets: 2.09%. Net interest margin at Village Bank and Trust: 3.68%, +0.05 pp in a year. Village Bank and Trust net income: $36.8 mn, up 20.8% year on year. The efficiency ratio of Village Bank and Trust was 30.37%: about 30 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.46% of total loans at Village Bank and Trust; net charge-offs: 0.07% of average loans. Gross loans and leases at Village Bank and Trust: $2.8 bn, up 12.2% in a year.
Village Bank and Trust: profitability
- Return on equity 21%
- Net interest margin 3.7%
- Return on assets 2.1%
Peer group of Village Bank and Trust
The peer group of Village Bank and Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Village Bank and Trust (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, Village Bank and Trust shows CET1 ratio 10.97% against a peer median of 13.98%, return on equity 20.63% against a peer median of 12.27% and uninsured deposit share 38.37% against a peer median of 30.35%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Parkway Bank and Trust Company | State nonmember bank | IL | $3.7 bn | 12.59% | 10.61% | 13.20% | |
| First PREMIER Bank | State member bank | SD | $3.6 bn | 19.95% | 13.94% | 56.10% | |
| First Community Bank | State nonmember bank | AR | $3.6 bn | 10.61% | 16.94% | 29.53% | |
| Village Bank and Trust | National bank | IL | $3.6 bn | 10.97% | 20.63% | 38.37% | |
| Colony Bank | State nonmember bank | GA | $3.6 bn | 13.55% | 9.90% | 32.42% | |
| First Community Bank | State member bank | VA | $3.6 bn | 15.32% | 14.59% | 21.28% | |
| Home Bank | National bank | LA | $3.6 bn | 14.41% | 10.17% | 31.16% | |
. FDIC Call Reports.
Last eight quarters
Two years at Village Bank and Trust, to : assets +25.0%, deposits +24.3%, equity +21.2%. Staff 111 to 121.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.4 bn | $3.5 bn | $3.5 bn | $3.6 bn |
| Total deposits | $2.4 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.8 bn | $2.9 bn | $2.8 bn | $3.0 bn |
| Bank equity capital | $299.3 mn | $307.3 mn | $324.0 mn | $326.4 mn | $329.4 mn | $346.1 mn | $362.0 mn | $362.7 mn |
| CET1 ratio | 10.77% | 10.60% | 11.21% | 11.11% | 10.64% | 10.61% | 11.29% | 10.97% |
| Return on equity (ROE) | 18.90% | 19.09% | 17.29% | 19.09% | 18.92% | 18.65% | 22.44% | 20.63% |
| Uninsured share of domestic deposits | 38.13% | 41.03% | 38.86% | 39.16% | 41.78% | 42.19% | 40.97% | 38.37% |
| Full-time equivalent employees | 111 | 111 | 110 | 113 | 112 | 111 | 109 | 121 |
| Number of offices | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Village Bank and Trust appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Village Bank and Trust?
Village Bank and Trust reported $3.6 bn at in its Call Report. That makes Village Bank and Trust the 355th largest of 497 banks in our US coverage.
Is Village Bank and Trust the same as its holding company?
No. This page covers Village Bank and Trust, FDIC certificate 34011; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Village Bank and Trust profitable?
Village Bank and Trust reported net income of $36.8 mn for the year to ; annualized return on equity: 20.63%. So yes: Village Bank and Trust made a profit over these months.
When is data for Village Bank and Trust next updated?
Figures from Village Bank and Trust for are due after .
Where can I check the figures for Village Bank and Trust?
In the FDIC BankFind Suite record for certificate 34011, and in the Call Reports of Village Bank and Trust (RSSD ID 2298995) at the FFIEC Central Data Repository.