Village Bank & Trust, N.A.: 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: 50.88 percentage points higher than in Q1 2026, at 200.17%. Village Bank & Trust, N.A. ranks 37th of 323 Illinois banks on return on assets, in the upper half at 1.88% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Village Bank & Trust, N.A. sits 0.60 points higher, at 1.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 11.88% |
| Tier 1 leverage ratio | 9.53% |
| Equity capital to assets | 10.00% |
| Tangible equity to tangible assets | 9.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 3.67% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 200.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.88% |
| Return on equity | 18.71% |
| Net interest margin | 3.61% |
| Efficiency ratio | 30.17% |
| Yield on earning assets | 5.59% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.53% |
| Core deposits to total deposits | 75.66% |
| Brokered deposits to total deposits | 13.37% |
| Deposits to assets | 81.65% |
| Securities to assets | 17.74% |
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 | 11.34% | 11.34% | 12.32% | 10.21% | 1.67% |
| Q4 2023 | 10.97% | 10.97% | 11.94% | 9.83% | 1.88% |
| Q1 2024 | 11.30% | 11.30% | 12.33% | 10.16% | 1.97% |
| Q2 2024 | 11.06% | 11.06% | 12.07% | 9.85% | 1.95% |
| Q3 2024 | 10.77% | 10.77% | 11.68% | 9.70% | 2.05% |
| Q4 2024 | 10.60% | 10.60% | 11.46% | 9.62% | 1.98% |
| Q1 2025 | 11.21% | 11.21% | 12.18% | 9.94% | 1.79% |
| Q2 2025 | 11.11% | 11.11% | 11.95% | 9.91% | 2.18% |
| Q3 2025 | 10.64% | 10.64% | 11.50% | 9.30% | 1.85% |
| Q4 2025 | 10.61% | 10.61% | 11.59% | 9.43% | 1.79% |
| Q1 2026 | 11.29% | 11.29% | 12.18% | 9.84% | 2.29% |
| Q2 2026 | 10.97% | 10.97% | 11.88% | 9.53% | 1.88% |
Village Bank & Trust, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Village Bank & Trust, N.A., 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 Village Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34011) · FFIEC NIC profile (RSSD 2298995)