Village Bank
Midlothian, VA
IDRSSD: 2760232
Total Assets
$738.62M
Latest filing
Total Deposits
$639.23M
Latest filing
Net Interest Margin
4.16%
Profitability
Key People
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Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/13/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 23113 |
| State and County Number | 51041 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Known |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | ATLANTA |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 120 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/01/2025 |
| Date of Deposit Insurance | 12/13/1999 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 2/13/2026 |
| CERT | 35111 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $738.62M |
| Total Deposits | $639.23M |
| Total Liabilities | $654.28M |
| Total Equity Capital | $84.34M |
| Net Income | $-32,000 |
| Net Loans and Leases | $596.33M |
| Assets Per Employee ($Millions) | $6.16M |
| Bank Premises and Fixed Assets | $10.93M |
| Cash and Balances due from Depository Institutions | $32.48M |
| Deposits Held in Domestic Offices | $639.23M |
Key Performance Ratios
| Return on Assets (ROA) | -0.02% |
| Return on Equity (ROE) | -0.15% |
| Net Interest Margin | 4.16% |
| Efficiency Ratio | 103.07% |
| Tier 1 Risk-Based Capital Ratio | 14.041% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.418% |
| Earning Assets to total Assets | 94.67% |
Income and Expense
| Total Interest Income | $10.01M |
| Total Noninterest Income | $1.05M |
| Total Interest Expense | $2.71M |
| Total Noninterest Expense | $8.60M |
| Net Interest Income | $7.30M |
| Pre-tax Net Operating Income | $-256,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $426.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.55M |
| Total Liabilities and Capital | $738.62M |
Securities
| Securities | $76.40M |
| Available-for-sale debt securities | $76.40M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Village Bank?
$738.62M as of the latest filing.
How much are Village Bank's total deposits?
$639.23M in total deposits.
Where is Village Bank located?
Midlothian, VA.
What is the Net Interest Margin?
4.16%.
How many domestic offices does it operate?
9.
When was it established?
12/13/1999.
What is the Return on Assets (ROA)?
-0.02%.
How much are total loans and leases?
$596.33M (latest filing).
What is the total interest income (latest filing)?
$10.01M.