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13531 Midlothian Turnpike
Midlothian, VA 23113

Village Bank (VA) is headquartered in Midlothian and is the 44th largest bank in the state of Virginia. It is also the 1,536th largest bank in the nation. It was established in 1999 and as of June of 2014, it had grown to 180 employees at 11 locations. Village Bank (VA) has a C health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Village Bank (VA) had $25.82 million in non-current loans and owned real-estate with $34.84 million in equity and loan loss allowances on hand to cover it. This gives Village Bank (VA) a Texas Ratio of 74.10% which is below average. 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) decreased dramatically from 108.01% as of June 30, 2013 to 74.10% as of June 30, 2014, resulting in a positive change of 31.40%.This indicates that the balance sheet and financial strength for Village Bank (VA) has improved dramatically in recent periods.

Deposit Growth


In the past year, Village Bank (VA) has decreased its total deposits by -$29.86 million, resulting in -7.12% 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 below average.



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 $438.81 million in assets with $34.84 million in equity, resulting in a capitalization level of 7.94%, which is below average.

Institution Statistics

FDIC Certificate #35111
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$438.81 million
Loans$269.68 million
Deposits$389.66 million
Equity Capital$29.16 million
Loan Loss Allowance$5.68 million
Unbacked Noncurrent Loans$10.15 million
Real Estate Owned$15.67 million
Historic Data - June 2013
Assets$481.25 million
Equity Capital$30.88 million
Loan Loss Allowance$9.61 million
Unbacked Noncurrent Loans$10.15 million
Real Estate Owned$22.04 million
Profit Margin - Quarterly
Return on Assets-0.23%
Return on Equity-3.65%
Interest Income$8.49 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 - Qualifying
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
1.11%$500-4 Year IRA
0.90%$500-3 Year IRA
0.65%$500-2 Year IRA
0.60%$500-18 Month Fixed Rate IRA
0.50%$500-1 Year IRA

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