The Village Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.18 percentage points lower than in Q1 2026, at 131.94%. Within Massachusetts, The Village Bank is 44th of 89 on loan-to-deposit ratio, 94.53% as of Q2 2026, above the middle of the field. The Village Bank reported 94.53% on loan-to-deposit ratio for Q2 2026, 6.33 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.70B |
| Net loans and leases | $1.69B |
| Loans held for sale | $0 |
| Loans to total assets | 82.20% |
| Loan-to-deposit ratio | 94.53% |
| Net loans to equity capital | 9.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.35% |
| Multifamily (5+ residential) | 4.49% |
| Commercial and industrial | 2.13% |
| Consumer | 0.28% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.30% |
| Construction concentration (Tier 1 capital + allowance) | 131.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.49% |
| Interest income on loans | $23.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.58B | $1.70B | 11.09% | 1.98% | 0.21% |
| Q4 2023 | $1.59B | $1.68B | 10.92% | 1.58% | 0.21% |
| Q1 2024 | $1.56B | $1.71B | 11.03% | 1.71% | 0.20% |
| Q2 2024 | $1.59B | $1.67B | 10.84% | 1.88% | 0.22% |
| Q3 2024 | $1.62B | $1.68B | 10.60% | 1.72% | 0.25% |
| Q4 2024 | $1.62B | $1.70B | 10.83% | 1.54% | 0.25% |
| Q1 2025 | $1.65B | $1.73B | 10.75% | 1.64% | 0.25% |
| Q2 2025 | $1.64B | $1.78B | 11.56% | 1.77% | 0.27% |
| Q3 2025 | $1.66B | $1.83B | 11.45% | 1.86% | 0.26% |
| Q4 2025 | $1.67B | $1.81B | 11.47% | 1.98% | 0.27% |
| Q1 2026 | $1.67B | $1.83B | 11.41% | 1.89% | 0.27% |
| Q2 2026 | $1.70B | $1.80B | 12.35% | 2.13% | 0.28% |
The Village Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Village Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26336) · FFIEC NIC profile (RSSD 173575)