PackageTrendsPeer
Letter portraitLegal landscape

Village Bank & Trust, National Association

Arlington Heights, IL · Cert 34011 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)

Q2 2026

$3.6BAssets
$2.8BLoans
$3.0BDeposits
$362.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
  • Widest gap: tier 1 capital ratio trails 71% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 22 of 31).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

2.03%

Rank 1 of 31

Net Interest Margin

3.45%

Rank 14 of 31

Efficiency Ratio

30.37%

Rank 2 of 31

Equity / Assets

10.00%

Rank 18 of 31

Non-interest income vs. expense

$17.4M$42.8MINCOMEEXPENSE
Unfavorable gap of $25.4M · efficiency ratio beats 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 30.37%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.03%1.15%1.39%1.64%Beats 97%1 / 31
Return on Equity20.30%11.05%13.35%16.66%Beats 94%2 / 31
Net Interest Margin3.45%3.00%3.28%3.75%Beats 55%14 / 31
Efficiency Ratio30.37%37.25%50.71%61.60%Beats 97%2 / 31
Asset Quality
Nonperforming Loans / Loans0.46%0.18%0.41%1.00%Beats 48%17 / 31
Net Charge-Offs / Loans0.05%0.00%0.04%0.11%Beats 42%19 / 31
Capital
Tier 1 Capital Ratio10.97%10.88%11.50%13.72%Beats 29%22 / 31
Total Risk-Based Capital Ratio11.88%11.53%12.02%14.77%Beats 45%17 / 31
Equity / Assets10.00%8.90%10.15%11.24%Beats 42%18 / 31
Liquidity & Funding
Loans / Deposits94.53%80.56%87.67%94.53%74th pctl8 / 31
Loans / Assets77.18%67.81%73.77%76.85%77th pctl7 / 31
Brokered Deposits / Depositsn/aNot reported for this institution