VILLA GROVE STATE BANK

VILLA GROVE, IL | Micro | Est. Oct. 19, 1919, midnight | FDIC #9273 | RSSD #474245 | FDIC
Latest Report: 2025-12-31

VILLA GROVE STATE BANK is amn micro FDIC-insured commercial bank headquartered in VILLA GROVE, IL, established in Oct. 19, 1919, midnight. As of 2025-12-31, the bank reported total assets of $84M and total deposits of $73M. Profitability stands at 1.34% ROA and 10.82% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 12.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9273.

Assets

$84M

Deposits

$73M

Loans

$57M

Equity

$10M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 10.82%
Net Interest Margin (NIM) 4.15%
Yield on Assets 5.76%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 12.34%
Tier 1 Capital 12.34%
Total Capital Ratio 12.96%
Leverage Ratio 12.11%
Loan-to-Deposit 77.81%

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