| Metric | The Village Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.4 pts |
| Deposit growth (YoY) | +1.1% | +5.1% | -3.9 pts |
| Loan growth (YoY) | +3.4% | +5.9% | -2.5 pts |
| ROA | 0.48% | 1.26% | -0.8 pts |
| ROE | 5.7% | 12.2% | -6.5 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.07B | $1.80B | $1.69B | $176.4M | $4.9M | 0.48% | 2.62% | 0.19% |
| Q1 2026 | $2.03B | $1.83B | $1.67B | $173.4M | $2.0M | 0.39% | 2.55% | 0.28% |
| Q4 2025 | $2.05B | $1.81B | $1.66B | $172.5M | $9.2M | 0.45% | 2.22% | 0.25% |
| Q3 2025 | $2.03B | $1.83B | $1.65B | $168.3M | $6.6M | 0.44% | 2.17% | 0.11% |
| Q2 2025 | $2.03B | $1.78B | $1.64B | $160.7M | $3.3M | 0.33% | 2.11% | 0.05% |
| Q1 2025 | $2.03B | $1.73B | $1.64B | $158.8M | $1.7M | 0.33% | 2.04% | 0.05% |
| Q4 2024 | $1.99B | $1.70B | $1.61B | $153.1M | $273K | 0.01% | 1.72% | 0.08% |
| Q3 2024 | $2.00B | $1.68B | $1.61B | $158.7M | $-397K | -0.03% | 1.68% | 0.07% |
Loan mix (Q2 2026): real estate $1.66B · commercial $36.3M · consumer $4.7M · securities $300.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Village Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 59.0% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Village Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Village Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Village Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Village Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Village Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
10 branches in 1 county across 1 state (+0 vs 2024) · $1.78B branch deposits. Biggest market: Middlesex, MA, ranked 13th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 10 | $1.78B | 1.88% | 13th |
Massachusetts: 32nd with 0.28% · Boston-Cambridge-Newton metro: 26th, 0.32% ·
Branch count: 2022 9 · 2023 9 · 2024 10 · 2025 10