This institution is no longer active

Operations ceased on November 1, 1995. CRA examination history below reflects the period it was active.

THE VILLAGE BANK

CHAPEL HILL, NC · Supervised by FDIC

Est. 1982FDIC #23,715RSSD: FDIC-23715

Satisfactory Same

Current rating · Exam: April 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

East Franklin Street And Elliot Road, CHAPEL HILL, NC

County

Orange County

Established

March 8, 1982

Total Assets

$63M(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

April 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1995Call Report / FDIC

Total Assets

$63M

Total Deposits

$58M

Net Loans

$46M

Net Income

$322K

ROA

0.68%

ROE

9.31%

Risk-Based Capital

10.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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