Village Bank & Trust, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Village Bank & Trust, N.A. of Arlington Heights, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.88% | 1.43% | +0.45% | 83rd top |
| ROAE | 18.71% | 12.50% | +6.21% | 86th top |
| Net Interest Margin | 3.61% | 3.84% | -0.23% | 43rd below |
| Efficiency Ratio | 30.17% | 58.90% | -28.73% | 98th top |
| PPNR / Avg Assets | 2.82% | 1.78% | +1.04% | 93rd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.71% | -0.12% | 53rd above |
| Cost of Funds | 2.20% | 2.03% | +0.17% | 37th below |
| Net Interest Spread | 2.77% | 3.18% | -0.41% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.44% | 0.96% | -0.52% | 62nd above |
| NPA / Total Assets | 0.34% | 0.75% | -0.41% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.16% | 0.31% | -0.15% | 22nd bottom |
| ACL / Total Loans | 0.88% | 1.25% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 200.17% | 699.39% | -499.22% | 55th above |
| Texas Ratio | 3.67% | 7.17% | -3.50% | 60th above |
| Provision / NCO | 153.96% | 815.41% | -661.45% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.97% | 17.42% | -6.45% | 10th bottom |
| Tier 1 Ratio | 10.97% | 17.45% | -6.48% | 9th bottom |
| Total Capital Ratio | 11.88% | 18.51% | -6.63% | 7th bottom |
| Leverage Ratio | 9.53% | 11.60% | -2.07% | 23rd bottom |
| Equity / Assets | 10.00% | 11.33% | -1.33% | 43rd below |
| TCE / Tangible Assets | 9.18% | 10.65% | -1.47% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.53% | 86.34% | +8.19% | 31st below |
| Core Deposit Ratio | 75.66% | 85.57% | -9.91% | 14th bottom |
| Uninsured Deposit Ratio | 38.37% | 32.70% | +5.67% | 31st below |
| Wholesale Funding Ratio | 7.64% | 5.45% | +2.19% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.55% | 10.45% | +3.10% | 84th top |
| Loan Growth (Y/Y) | 12.23% | 7.99% | +4.24% | 79th top |
| Deposit Growth (Y/Y) | 12.16% | 7.97% | +4.19% | 81st top |
See Village Bank & Trust, N.A.'s peers by name
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Unlock Village Bank & Trust, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Village Bank & Trust, N.A. profile, how to read a UBPR, or how this data updates.