Bank Comparison
Village Bank vs Bank of Lexington, Inc.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 12
winning metrics across 16 scored rows
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Capital adequacy
| Metric | Village Bank | Bank of Lexington, Inc. |
|---|---|---|
| CET1 Ratio | 12.43% | 16.25% |
| Tier 1 Capital Ratio | 12.43% | 16.25% |
| Total Capital Ratio | 13.58% | 16.88% |
| Tier 1 Leverage Ratio | 8.98% | 11.50% |
| Equity / Assets | 7.06% | 10.95% |
Profitability
| Metric | Village Bank | Bank of Lexington, Inc. |
|---|---|---|
| Return on Assets (ROA) | 0.74% | 1.06% |
| Return on Equity (ROE) | 10.75% | 9.55% |
| Net Interest Margin (NIM) | 3.61% | 3.74% |
| Yield on Earning Assets | 5.19% | 5.84% |
| Cost of Funds | 1.66% | 2.23% |
Asset quality
| Metric | Village Bank | Bank of Lexington, Inc. |
|---|---|---|
| Texas Ratio | 13.40% | 0.09% |
| Non-Performing Loan Ratio | 0.76% | 0.01% |
| Non-Performing Asset Ratio | 1.04% | 0.01% |
| Net Charge-Off Ratio | 0.17% | 0.00% |
| ACL / Loans | 1.14% | 0.53% |
Balance sheet
| Metric | Village Bank | Bank of Lexington, Inc. |
|---|---|---|
| Total Assets | $411.9M | $410.8M |
| Total Deposits | $366.2M | $322.2M |
| Total Loans | $295.7M | $323.0M |
| Total Equity | $29.1M | $45.0M |
| Net Income (quarter) | $771K | $1.1M |
Liquidity & funding
| Metric | Village Bank | Bank of Lexington, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 80.76% | 100.28% |
| Core Deposit Ratio | 95.23% | 86.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Village Bank | Bank of Lexington, Inc. |
|---|---|---|
| Headquarters City | Saint Francis | Lexington |
| Headquarters State | MN | KY |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 56 | 48 |
| Established | January 11, 1993 | February 6, 2006 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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