Village Bank & Trust, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Village Bank & Trust, N.A. is an FDIC-insured commercial bank headquartered in Arlington Heights, IL, established in 1995 (FDIC certificate 34011), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.63B, up 13.6% from Q2 2025, the 22nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34011
- Headquarters
- Arlington Heights, IL
- Established
- 1995
- Total assets, Q2 2026
- $3.63B
- Assets vs Q2 2025
- +13.6%
- CET1 ratio, Q2 2026
- 10.97%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 071925460
- Latest call report
- Q2 2026, FFIEC 041 · Village Bank & Trust, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 22nd of 319 in Illinois
Village Bank & Trust, N.A. runs leaner than most banks of its size. The Arlington Heights, Illinois bank had $3.6 billion in assets at June 30, 2026, up 13.6% from a year earlier. It spends about 30 cents to bring in each dollar of revenue, about half the median of 58 cents for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds common equity equal to 10.97% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
As of June 30, 2026, Village Bank & Trust, N.A. reported a CET1 capital ratio of 10.97%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.21%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Village Bank & Trust, N.A. is the 22nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.6% to $3.63B, loans rose 4.2% and deposits rose 4.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 43.3% of total loans, ahead of other consumer loans at 12.6%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in IL; its Arlington Heights 3 offices book 57% of its branch deposits. On its Q2 2026 call report, Village Bank & Trust, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 234 W Northwest Hwy, Arlington Heights, IL 60004
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 8, 1995
- Former names
- Village Bank and Trust, National Association (2019); Village Bank and Trust (2005-2019); Village Bank and Trust Arlington Heights (1999-2005)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 121
- Domestic deposits
- $2.96B
- Allowance for credit losses
- $24.7M
- Net charge-offs (YTD)
- $910K
- Average total assets
- $3.61B
- Average total loans
- $2.65B
- Average interest-bearing deposits
- $2.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 8, 1995
- FDIC Cert
- 34011
- Fed RSSD
- 2298995
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.bankatvillage.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
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
From Q3 2023 to Q2 2026, Village Bank & Trust, N.A.'s total assets ranged from $2.59B (Q4 2023) to $3.63B (Q2 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
$3.63B total assets against $3.19B; $3.26B total liabilities against $2.87B.
$2.77B net loans and leases against $2.47B; $2.96B total deposits against $2.64B.
$643.2M securities against $431.9M; $64.2M cash and balances due against $137.3M.
$48.9M total interest income against $43.8M; $17.3M total interest expense against $16.9M.
$31.5M net interest income against $26.9M.
$4.9M total noninterest income against $3.3M; $11.0M total noninterest expense against $9.5M.
$2.4M provision for credit losses against -$2.2M.
$17.0M net income against $16.8M.
1.88% return on assets against 2.18%; 3.61% net interest margin against 3.59%.
10.97% CET1 capital ratio against 11.11%; 9.53% tier 1 leverage ratio against 9.91%.
Inside the full Village Bank & Trust, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVillage Bank & Trust, N.A. rankings
Its closest position to the top of a national ranking is 46 of 3,606, for efficiency ratio; its furthest is 1,959 of 2,134, for CET1 ratio.
Metric pages for Village Bank & Trust, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.79% (Q1 2025) to 2.29% (Q1 2026) and its net interest margin ran from 3.59% (Q2 2025) to 3.75% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 1.88% | 0.46% | 2.21% | 3.61% |
| Q1 2026 | 11.29% | 2.29% | 0.63% | 3.35% | 3.60% |
| Q4 2025 | 10.61% | 1.79% | 0.40% | 1.88% | 3.68% |
| Q3 2025 | 10.64% | 1.85% | 0.47% | 2.87% | 3.67% |
| Q2 2025 | 11.11% | 2.18% | 0.49% | 2.54% | 3.59% |
| Q1 2025 | 11.21% | 1.79% | 0.43% | 2.05% | 3.68% |
| Q4 2024 | 10.60% | 1.98% | 0.42% | 1.98% | 3.71% |
| Q3 2024 | 10.77% | 2.05% | 0.21% | 1.48% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Village Bank and Trust, National Association | Arlington Heights , IL | 60004 | $1.45B |
| Des Plaines Banking Center Branch | Des Plaines , IL | 60016 | $625.8M |
| Mt. Prospect Branch | Mount Prospect , IL | 60056 | $308.1M |
| Park Ridge Branch - Touhy Ave. | Park Ridge , IL | 60068 | $227.8M |
| Uptown Banking Center Branch | Arlington Heights , IL | 60004 | $225.1M |
| Palwaukee Banking Center Branch | Prospect Heights , IL | 60070 | $54.0M |
| Rolling Meadows Banking Center Branch | Rolling Meadows , IL | 60008 | $53.9M |
| Luther Village Branch | Arlington Heights , IL | 60004 | $11.3M |
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 |
|---|---|---|---|
| May 23, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 23, 2005 | Structure Change | Acquired First Northwest 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.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in IL, rank 31 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 126 applications, 102 loans originated, $85.6M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 41 loans, $25.6M approved, $625K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Village Bank & Trust, N.A.
What are Village Bank & Trust, N.A.'s total assets?
As of the Q2 2026 filing, Village Bank & Trust, N.A. reported total assets of $3.63 billion in its FFIEC call report.
Where is Village Bank & Trust, N.A. headquartered?
It is headquartered in Arlington Heights, IL, United States.
When was Village Bank & Trust, N.A. founded?
It was established in 1995, per the FDIC institution directory.
Is Village Bank & Trust, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Village Bank & Trust, N.A.?
Village Bank & Trust, N.A.'s primary federal regulator is the OCC.
What is Village Bank & Trust, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Village Bank & Trust, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Village Bank & Trust, N.A.'s Texas Ratio?
Its Texas Ratio is 2.21% 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 Village Bank & Trust, N.A. previously called?
The charter now named Village Bank & Trust, N.A. has also operated as Village Bank and Trust, National Association (2019), Village Bank and Trust (2005-2019), Village Bank and Trust Arlington Heights (1999-2005), per FDIC structure-change records.
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