The Village Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 44.64 percentage points higher than in Q1 2026, at 164.78%. The Village Bank ranks 54th of 89 Massachusetts banks on return on assets, in the lower half at 0.57% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, The Village Bank reported 0.57% on return on assets in Q2 2026, 0.70 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.74% |
| Tier 1 risk-based capital ratio | 14.74% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 9.50% |
| Equity capital to assets | 8.53% |
| Tangible equity to tangible assets | 8.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.83% |
| Allowance for credit losses to loans | 0.51% |
| Reserve coverage of non-performing loans | 164.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 6.75% |
| Net interest margin | 2.67% |
| Efficiency ratio | 70.43% |
| Yield on earning assets | 4.95% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.53% |
| Core deposits to total deposits | 75.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.96% |
| Securities to assets | 14.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.40% | 14.40% | 15.21% | 9.15% | 0.13% |
| Q4 2023 | 14.64% | 14.64% | 15.33% | 9.11% | 0.03% |
| Q1 2024 | 15.03% | 15.03% | 15.75% | 9.14% | 0.04% |
| Q2 2024 | 14.76% | 14.76% | 15.46% | 9.10% | -0.06% |
| Q3 2024 | 14.64% | 14.64% | 15.31% | 8.95% | -0.06% |
| Q4 2024 | 14.78% | 14.78% | 15.45% | 8.97% | 0.13% |
| Q1 2025 | 14.44% | 14.44% | 15.09% | 8.99% | 0.33% |
| Q2 2025 | 14.67% | 14.67% | 15.32% | 9.01% | 0.32% |
| Q3 2025 | 14.84% | 14.84% | 15.53% | 9.12% | 0.65% |
| Q4 2025 | 14.72% | 14.72% | 15.41% | 9.25% | 0.49% |
| Q1 2026 | 14.94% | 14.94% | 15.63% | 9.36% | 0.38% |
| Q2 2026 | 14.74% | 14.74% | 15.43% | 9.50% | 0.57% |
The Village Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Village Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)