Villa Grove State Bank
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Data as of · sourced from FFIEC call reports. How we update
Villa Grove State Bank is an FDIC-insured commercial bank headquartered in Villa Grove, IL, established in 1919 (FDIC certificate 9273), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $85.9M, up 2.8% from Q2 2025, the 270th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9273
- Headquarters
- Villa Grove, IL
- Established
- 1919
- Total assets, Q2 2026
- $85.9M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 12.22%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071119807
- Holding company
- VILLA GROVE BANCSHARES, INC.
- Asset rank in state
- 270th of 319 in Illinois
Villa Grove State Bank leans heavily on commercial real estate. Its balance sheet stood at $86 million at June 30, 2026, up 2.8% from a year earlier; it is based in Villa Grove, Illinois. It holds commercial real estate loans worth 1.5 times its capital, 5.7 times the median of 26% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Net income for the quarter rose 21% from a year earlier, to $404,000. Over the same year, loans shrank 2.0% and deposits grew 4.9%.
As of June 30, 2026, Villa Grove State Bank reported a return on assets of 1.84%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Villa Grove State Bank ranks as the 270th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.5% to $85.9M, loans rose 2.7% and deposits fell 4.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.1% of total loans, ahead of multifamily loans at 17.2%. The FDIC Summary of Deposits lists 2 offices for it, in Villa Grove, IL. By the capital ratios in its Q2 2026 call report, Villa Grove State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 10 N Main St, Villa Grove, IL 61956
- County
- Douglas
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- October 19, 1919
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $74.7M
- Allowance for credit losses
- $876K
- Net charge-offs (YTD)
- $0
- Average total assets
- $88.0M
- Average total loans
- $54.5M
- Average interest-bearing deposits
- $54.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9273
- Fed RSSD
- 474245
- SEC CIK
- 1484519 → filed by VILLA GROVE BANCSHARES, INC.
- Website
- www.villagrovestatebank.com →
- Parent Holding Company
- VILLA GROVE BANCSHARES, INC. (RSSD 1203237)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Villa Grove State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Villa Grove State Bank's total assets ran between $81.7M (Q3 2024) and $89.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$85.9M total assets against $83.5M; $75.1M total liabilities against $73.3M.
$54.8M net loans and leases against $56.0M; $74.7M total deposits against $71.2M.
$13.2M securities against $12.7M; $16.6M cash and balances due against $13.5M.
$1.1M total interest income against $1.1M; $271K total interest expense against $283K.
$840K net interest income against $784K.
$58K total noninterest income against $35K; $476K total noninterest expense against $469K.
$12K provision for credit losses against $12K.
$404K net income against $333K.
1.84% return on assets against 1.58%; 3.98% net interest margin against 3.88%.
12.22% tier 1 leverage ratio against 12.08%.
Inside the full Villa Grove State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.23% (Q4 2024) to 1.84% (Q2 2026) and its net interest margin ran from 3.67% (Q1 2025) to 3.98% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.22% | 1.84% | 0.00% | 0.00% | 3.98% |
| Q1 2026 | 12.02% | 1.59% | 0.00% | 0.00% | 3.86% |
| Q4 2025 | 12.11% | 1.31% | 0.00% | 0.00% | 3.92% |
| Q3 2025 | 12.35% | 1.52% | 0.00% | 0.00% | 3.94% |
| Q2 2025 | 12.08% | 1.58% | 0.00% | 0.00% | 3.88% |
| Q1 2025 | 11.89% | 1.36% | 0.00% | 0.00% | 3.67% |
| Q4 2024 | 12.05% | 1.23% | 0.04% | 0.21% | 3.78% |
| Q3 2024 | 12.09% | 1.49% | 0.00% | 0.00% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Villa Grove State Bank (main office) | Villa Grove , IL | 61956 | $74.7M |
| Drive-Up Facility | Villa Grove , IL | 61956 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 16, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 16, 1989 | Structure Change | Acquired The First National Bank of Villa Grove Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 318 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Villa Grove State Bank
What are Villa Grove State Bank's total assets?
As of the Q2 2026 filing, Villa Grove State Bank reported total assets of $85.9 million in its FFIEC call report.
Where is Villa Grove State Bank headquartered?
It is headquartered in Villa Grove, IL, United States.
When was Villa Grove State Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Villa Grove State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Villa Grove State Bank?
Villa Grove State Bank's primary federal regulator is the FDIC.
How many branches does Villa Grove State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Villa Grove State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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