Village Bank and Trust, National Association

234 West Northwest Highway
Arlington Heights, IL 60004

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.15% 2.20% →
2-Year CD 0.25% 2.20% →
5-Year CD 0.70% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Village Bank and Trust, National Association is an FDIC insured institution located in Arlington Heights, IL. It was founded in 1995 and has approximately $1.75 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 34011
Date Established 1995
Assets $1.75 billion
Loans $1.32 billion
Deposits $1.52 billion
Capital $0.19 billion
 

For a more detailed analysis of Village Bank and Trust, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 24, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn MoreShow Less
6 Mo CD
0.10% $1,000 - Learn MoreShow Less
12 Mo CD
0.15% $1,000 - Learn MoreShow Less
18 Mo CD
0.20% $1,000 - Learn MoreShow Less
24 Mo CD
0.25% $1,000 - Learn MoreShow Less
36 Mo CD
0.35% $1,000 - Learn MoreShow Less
48 Mo CD
0.50% $1,000 - Learn MoreShow Less
60 Mo CD
0.70% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.15% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $9,999 Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Village Bank and Trust, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.163% 3.125% 0.50 $1,192 $1,071 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
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Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Village Bank and Trust, National Association
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Branches

Village Bank and Trust, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Village Bank and Trust, National Association Locations


Financial Details

Village Bank and Trust, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Village Bank and Trust, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Village Bank and Trust, National Association U.S. Bank Average
2.94% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Village Bank and Trust, National Association had $5,674,000 in non-current loans and $146,000 in owned real estate. To cover these potential losses it had $188,955,000 in equity and $9,300,000 in loans loss reserves. That gives it a Texas Ratio of 2.94%.

Return on Equity
Village Bank and Trust, National Association U.S. Bank Average
12.23% 9.72%

Village Bank and Trust, National Association has a Return on Equity of 12.23% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Village Bank and Trust, National Association U.S. Bank Average
10.77% 12.89%

Village Bank and Trust, National Association has a Capitalization of 10.77% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Village Bank and Trust, National Association Balance Sheet Analysis

As of September 30, 2019, Village Bank and Trust, National Association had assets of $1,754,822,000, loans of $1,315,109,000, and deposits of $1,516,081,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.15 billion
Interest-bearing balances $0.13 billion
Total securities $0.20 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.32 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.03 billion
All other assets $0.03 billion
     Total Assets $1.57 billion
LIABILITIES
Total deposits $1.52 billion
      Interest-bearing deposits $1.13 billion
      Deposits held in domestic offices $1.52 billion
      % insured (estimated) 63.62%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.04 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.57 billion
      Shareholders’ Equity $0.19 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.05 billion
Total Interest Expense $0.01 billion
Net interest income $0.04 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.02 billion

Bank Loan Profile?

The top three loan types in Village Bank and Trust, National Association’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, Village Bank and Trust, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.32
Multifamily
Mortgages
2.80
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 6.32
Construction and Development Loans 1.46
Commercial Real Estate 16.51
Commercial and Industrial Loans 56.00
Farm Loans 0.00

Frequently Asked Questions About Village Bank And Trust, National Association

Branches and Savings

Is Village Bank And Trust, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #34011.

Why does Village Bank And Trust, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Village Bank And Trust, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Village Bank And Trust, National Association a commercial bank?

Yes

Where are Village Bank And Trust, National Association locations?

See branch locations nearby.

Is Village Bank And Trust, National Association open on Saturdays?

Is Village Bank And Trust, National Association open on Sundays?

What time does Village Bank And Trust, National Association open?

What time does Village Bank And Trust, National Association close?

Are Village Bank And Trust, National Association ATMs Open 24/7?

Do Village Bank And Trust, National Association ATMs accept cash deposits?

Can Village Bank And Trust, National Association customers use other ATMs?

Do Village Bank And Trust, National Association branches have notaries?

Will Village Bank And Trust, National Association notarize my document?

What address for Village Bank And Trust, National Association should I put for incoming ACH transfers?

Will the Village Bank And Trust, National Association branch print checks?

Do Village Bank And Trust, National Association checks expire?

Does Village Bank And Trust, National Association require US citizenship to open account?

Can Village Bank And Trust, National Association close my account?

Does Village Bank And Trust, National Association Report to credit bureaus?

Does Village Bank And Trust, National Association Use Equifax?

What is Village Bank And Trust, National Association's ACH Routing Number?

What is Village Bank And Trust, National Association's SWIFT code?

Products

Does Village Bank And Trust, National Association offer mortgages?

Compare mortgage rates here.

Does Village Bank And Trust, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Village Bank And Trust, National Association offer personal loans?

Compare personal loan rates here.

Does Village Bank And Trust, National Association offer student loans?

Will Village Bank And Trust, National Association cash a check?

Will Village Bank And Trust, National Association redeem a savings bond?

Does Village Bank And Trust, National Association cash savings bonds?

Will Village Bank And Trust, National Association cash money orders?

Can Village Bank And Trust, National Association issue a money order?

Does Village Bank And Trust, National Association do currency exchange?

Background on The Bank

Who owns Village Bank And Trust, National Association?

How long has Village Bank And Trust, National Association been around?

Can Village Bank And Trust, National Association transfer to other banks?

Does Village Bank And Trust, National Association have quick pay?

Does Village Bank And Trust, National Association accept rolled coins?

Will Village Bank And Trust, National Association accept loose change?

Where is Village Bank And Trust, National Association headquarters?

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