The Village Bank
BankRegReports is independent of The Village Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Village Bank is an FDIC-insured savings bank headquartered in Auburndale, MA, established in 1910 (FDIC certificate 26336), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.07B, up 2.0% from Q2 2025, the 24th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 14.74% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26336
- Headquarters
- Auburndale, MA
- Established
- 1910
- Total assets, Q2 2026
- $2.07B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 14.74%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 211371858
- Latest call report
- Q2 2026, FFIEC 041 · The Village Bank call report
- Asset rank in state
- 24th of 89 in Massachusetts
The Village Bank spends more to run itself than most banks of its size. It reported $2.1 billion in assets at June 30, 2026, up 2.0% from a year earlier. It earns about $0.57 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $3.0 million, 82% above the same quarter a year earlier. Funding is the softer spot: it holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
As of June 30, 2026, The Village Bank reported a CET1 capital ratio of 14.74%, a return on assets of 0.57%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 2.14%. The figures come from its call report filed with the FFIEC.
The Village Bank ranks as the 24th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $2.07B, loans rose 1.5% and deposits fell 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 64.9% of total loans, ahead of construction and land development loans at 15.8%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in MA; its Newton 2 offices book 37% of its branch deposits. On its Q2 2026 call report, The Village Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 320 Needham St, Auburndale, MA 02464
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 1, 1910
- Former names
- The Village Bank (2003)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 150
- Domestic deposits
- $1.80B
- Allowance for credit losses
- $8.6M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $2.06B
- Average total loans
- $1.68B
- Average interest-bearing deposits
- $1.61B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 12, 1985
- FDIC Cert
- 26336
- Fed RSSD
- 173575
- Website
- www.village-bank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Village Bank's total assets ran between $1.95B (Q1 2024) and $2.07B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.07B total assets against $2.03B; $1.89B total liabilities against $1.87B.
$1.69B net loans and leases against $1.64B; $1.80B total deposits against $1.78B.
$300.6M securities against $306.0M; $11.7M cash and balances due against $13.3M.
$24.9M total interest income against $24.0M; $11.5M total interest expense against $13.4M.
$13.4M net interest income against $10.6M.
$796K total noninterest income against $804K; $10.0M total noninterest expense against $9.4M.
$250K provision for credit losses against -$10K.
$3.0M net income against $1.6M.
0.57% return on assets against 0.32%; 2.67% net interest margin against 2.14%.
14.74% CET1 capital ratio against 14.67%; 9.50% tier 1 leverage ratio against 9.01%.
Inside the full The Village Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Village Bank rankings
Its closest position to the top of a national ranking is 82 of 980, for uninsured deposits; its furthest is 3,169 of 3,611, for ROA.
Metric pages for The Village Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.06% (Q3 2024) to 0.65% (Q3 2025) and its net interest margin ran from 1.71% (Q3 2024) to 2.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.74% | 0.57% | 0.23% | 2.14% | 2.67% |
| Q1 2026 | 14.94% | 0.38% | 0.34% | 3.15% | 2.52% |
| Q4 2025 | 14.72% | 0.49% | 0.31% | 2.86% | 2.36% |
| Q3 2025 | 14.84% | 0.65% | 0.13% | 1.23% | 2.23% |
| Q2 2025 | 14.67% | 0.32% | 0.06% | 0.57% | 2.14% |
| Q1 2025 | 14.44% | 0.33% | 0.06% | 0.60% | 2.00% |
| Q4 2024 | 14.78% | 0.13% | 0.10% | 0.98% | 1.85% |
| Q3 2024 | 14.64% | -0.06% | 0.08% | 0.79% | 1.71% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| The Village Bank | Newton , MA | 02464 | $453.8M |
| The Village Bank - Newton Centre Branch | Newton Center , MA | 02459 | $289.9M |
| Nonantum Branch | Newton , MA | 02458 | $214.3M |
| Newton Highlands Branch | Newton Highlands , MA | 02461 | $201.4M |
| Wayland Branch | Wayland , MA | 01778 | $194.7M |
| West Newton Branch | West Newton , MA | 02465 | $147.9M |
| Newtonville Branch | Newtonville , MA | 02460 | $138.4M |
| Waban Branch | Waban , MA | 02468 | $118.1M |
| The Village Bank Waltham Branch | Waltham , MA | 02453 | $23.5M |
| The Village Bank Branch | Auburndale , MA | 02466 | $16.4M |
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 |
|---|---|---|---|
| September 22, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2003 | Structure Change | Acquired Newton South Co-operative Bank 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
- 0.3% of deposits in MA, rank 31 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $600K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Village Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Village Bank with peers
Frequently asked about The Village Bank
What are The Village Bank's total assets?
As of the Q2 2026 filing, The Village Bank reported total assets of $2.07 billion in its FFIEC call report.
Where is The Village Bank headquartered?
It is headquartered in Auburndale, MA, United States.
When was The Village Bank founded?
It was established in 1910, per the FDIC institution directory.
Is The Village Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Village Bank?
The Village Bank's primary federal regulator is the FDIC.
What is The Village Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Village Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Village Bank's Texas Ratio?
Its Texas Ratio is 2.14% 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.
What was The Village Bank previously called?
The charter now named The Village Bank has also operated as The Village Bank (2003), per FDIC structure-change records.
Go deeper on The Village Bank.
Get an email when The Village Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Village Bank, freeFree account