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13531 Midlothian Turnpike
Midlothian, VA 23113

Village Bank (VA) is headquartered in Midlothian and is the 45th largest bank in the state of Virginia. It is also the 1,505th largest bank in the nation. It was established in 1999 and as of December of 2013, it had grown to 202 employees at 13 locations. Village Bank (VA) has a D health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Village Bank (VA) had $35.45 million in non-current loans and owned real-estate with $34.81 million in equity and loan loss allowances on hand to cover it. This gives Village Bank (VA) a Texas Ratio of 101.83% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Village Bank (VA) experienced no significant changes from 104.44% as of December 31, 2012 to 101.83% as of December 31, 2013, resulting in a positive change of 2.50%.This indicates that the balance sheet and financial strength for Village Bank (VA) has had no significant changes in recent periods.

Deposit Growth


In the past year, Village Bank (VA) has decreased its total deposits by -$45.83 million, resulting in -10.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Village Bank (VA) has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Village Bank (VA) has $442 million in assets with $34.81 million in equity, resulting in a capitalization level of 7.88%, which is below average.

Institution Statistics

FDIC Certificate #35111
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$442.00 million
Loans$287.70 million
Deposits$391.09 million
Equity Capital$27.57 million
Loan Loss Allowance$7.24 million
Unbacked Noncurrent Loans$18.71 million
Real Estate Owned$16.74 million
Historic Data - December 2012
Assets$506.06 million
Equity Capital$33.16 million
Loan Loss Allowance$10.81 million
Unbacked Noncurrent Loans$18.71 million
Real Estate Owned$20.20 million
Profit Margin - Quarterly
Net Interest Margin3.82%
Return on Assets-0.76%
Return on Equity-11.73%
Interest Income$19.68 million

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Village Bank (VA) Savings Account Rates

0.50%-$10kVillage Kids Club
0.45%$100-IRA Savings
0.45%$100-Roth IRA Savings
0.45%$100-CESA Savings
0.15%--Village Savings
0.15%--Village Business Savings

Village Bank (VA) Money Market Rates

0.40%$50k-Village Platinum MM
0.35%$50k$1mVillage Money Market
0.35%$50k$1mVillage Business Money Market

Village Bank (VA) Checking Account Rates

0.45%-$25kVillage eRewards Plus
0.20%--Village Non-Profit Checking
0.20%$15k-Village Platinum
0.15%$15k-Village Silver
0.10%$15k-Village Interest Checking

Village Bank (VA) CD Rates

1.26%$500-60 Month Certificate
1.11%$500-48 Month Certificate
0.90%$500-36 Month Certificate
0.70%$500-30 Month Certificate
0.65%$500-24 Month Certificate
0.60%$500-18 Month Certificate
0.55%$500-15 Month Certificate
0.50%$500-12 Month Certificate
0.35%$1k-9 Month Certificate
0.30%$1k-6 Month Certificate
0.25%$500-19 Month 1 Time Penalty Free W/D
0.20%$15k-12 Month No Penalty Certificate
0.05%$1k-1 Month Certificate
0.05%$1k-3 Month Certificate

Village Bank (VA) IRA Rates

1.26%$500-5 Year IRA (Traditional,Roth,CESA)
1.11%$500-4 Year IRA (Traditional,Roth,CESA)
0.90%$500-3 Year IRA (Traditional,Roth,CESA)
0.65%$500-2 Year IRA (Traditional,Roth,CESA)
0.60%$500-18 Month Fixed Rate IRA (Traditional,Roth,CESA)
0.50%$500-1 Year IRA (Traditional,Roth,CESA)

Village Bank (VA) has 13 locations. Click to view all Village Bank (VA) locations.