🏦Bank Scorer

THE VILLAGE BANK

NEWTON, MA · Supervised by FDIC

Est. 1910FDIC #26,336RSSD: FDIC-26336
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.39%

Is this bank safe?

THE VILLAGE BANK holds a Satisfactory CRA rating (2024), and meets basic financial requirements (ROA +0.39%).

Institution Profile

FDIC BankFind

Address

320 Needham St, NEWTON, MA

County

Middlesex County

Established

May 1, 1910

Total Assets

$2.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.0B

Total Deposits

$1.8B

Net Loans

$1.7B

Net Income

$2M

ROA

0.39%

Below avg for Community banks. Peer avg: 0.90%

ROE

4.55%

Risk-Based Capital

15.63%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.39%Peer avg: 0.90%▼ Below avg
Risk-Based Capital15.63%Peer avg: 12.91%▲ Above avg
Mortgage Denial Rate3.31%Peer avg: 10.20%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.8B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202327284.56%3.31%
202253782.12%4.28%
202142186.22%1.90%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Nov 2024SatisfactoryLarge Bank
Oct 2021SatisfactoryIntermediate Small Bank
Nov 2018SatisfactoryIntermediate Small Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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