This institution is no longer active

Operations ceased on April 1, 2025. CRA examination history below reflects the period it was active.

VILLAGE BANK

MIDLOTHIAN, VA · Supervised by FDIC

Est. 1999FDIC #35,111RSSD: FDIC-35111

Part ofVILLAGE B&T FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: September 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.02%

Is this bank safe?

VILLAGE BANK holds a Satisfactory CRA rating (2024), shows financial metrics that merit closer review (ROA -0.02%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

13531 Midlothian Tpke, MIDLOTHIAN, VA

County

Chesterfield County

Established

December 13, 1999

Total Assets

$739M(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

September 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2025Call Report / FDIC

Total Assets

$739M

Total Deposits

$639M

Net Loans

$596M

Net Income

$-32K

ROA

-0.02%

Below avg for Small banks. Peer avg: 0.44%

ROE

-0.15%

Risk-Based Capital

14.68%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-0.02%Peer avg: 0.44%▼ Below avg

Risk-Based Capital14.68%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.82%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	177	85.31%	2.82%
2020	365	80.82%	2.74%
2019	330	87.58%	4.24%
2018	492	82.93%	7.32%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2024	Satisfactory	Intermediate Small Bank
Jul 2021	Satisfactory	Intermediate Small Bank
Nov 2018	Satisfactory	Intermediate Small Bank

5 previous ratings locked — back to 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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