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Village Bank, The

Auburndale, MA · Cert 26336

SI · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Village Bank, The

Auburndale, MA · Cert 26336

SI · FDIC · 10 branches

Q2 2026

$2.1BAssets
$1.7BLoans
$1.8BDeposits
$176.4MEquity
Loan mix
98%RE $1.6B2%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.4B20%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.44%Q2 ’244.63%Q2 ’254.78%Q2 ’26+28%+27%

Non-interest income vs. expense

1.79%Q2 ’241.76%Q2 ’252.03%Q2 ’26-2%+17%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.3% share · #22 of 100 inst. · $1.8B of $580.3B

Executive Summary

  • Earnings: ROA of 0.48%, up 15 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.23% of loans (+17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.50%, up 49 bps from a year ago.
  • Funding: loans stand at 94.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+53 bps YoY

Efficiency Ratio (YTD, annualized)

75.85%-582 bps YoY

Tier 1 Leverage Ratio

9.50%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.44%0.45%0.39%0.48%+15 bps
Return on Equity4.17%5.53%5.64%4.55%5.65%+148 bps
Net Interest Margin1.99%2.04%2.11%2.45%2.52%+53 bps
Efficiency Ratio81.67%76.45%75.25%81.28%75.85%-582 bps
Non-Interest Burden1.60%1.50%1.53%1.96%1.88%+28 bps
Growth
Asset Growth (YoY)2.40%1.52%3.00%0.01%2.04%-36 bps
Loan Growth (YoY)3.51%2.82%3.11%1.37%3.41%-10 bps
Deposit Growth (YoY)6.22%9.04%6.26%5.81%1.12%-510 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.13%0.31%0.34%0.23%+17 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.48%0.49%0.50%0.50%0.51%+3 bps
Allowance Coverage of NPLs8.2x3.8x1.6x1.5x2.2x-6.0x
Capital
Tier 1 Leverage Ratio9.01%9.12%9.25%9.36%9.50%+49 bps
Total Risk-Based Capital15.32%15.53%15.41%15.63%15.43%+11 bps
Equity / Assets7.93%8.27%8.42%8.52%8.53%+60 bps
Liquidity & Funding
Loans / Deposits92.43%90.91%92.37%91.52%94.53%+210 bps
Liquid Assets / Assets1.63%1.57%1.63%1.50%0.95%-69 bps
CRE / Total Capitaln/a279%281%282%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Village Bank, The

Auburndale, MA · Cert 26336 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27)

SI · FDIC · 10 branches

Q2 2026

$2.1BAssets
$1.7BLoans
$1.8BDeposits
$176.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 27).
  • Widest gap: equity / assets trails 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 27).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.48%

Rank 21 of 27

Net Interest Margin

2.52%

Rank 19 of 27

Efficiency Ratio

75.85%

Rank 21 of 27

Equity / Assets

8.53%

Rank 25 of 27

Non-interest income vs. expense

$3.2M$41.9MINCOMEEXPENSE
Unfavorable gap of $38.6M · efficiency ratio beats 26% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 75.85%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.48%0.78%0.99%Beats 22%21 / 27
Return on Equity5.58%5.50%7.06%8.20%Beats 26%20 / 27
Net Interest Margin2.52%2.49%2.70%3.34%Beats 30%19 / 27
Efficiency Ratio75.85%59.27%68.19%75.85%Beats 26%21 / 27
Asset Quality
Nonperforming Loans / Loans0.23%0.20%0.58%1.15%Beats 70%9 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%5 / 27
Capital
Tier 1 Capital Ratio14.74%13.21%14.69%16.81%Beats 52%13 / 27
Total Risk-Based Capital Ratio15.43%13.71%15.43%18.07%Beats 48%14 / 27
Equity / Assets8.53%9.62%11.14%13.14%Beats 7%25 / 27
Liquidity & Funding
Loans / Deposits94.53%91.42%101.19%107.11%30th pctl19 / 27
Loans / Assets82.20%75.31%80.56%83.39%63rd pctl10 / 27
Brokered Deposits / Depositsn/aNot reported for this institution