🏦Bank Scorer

This institution is no longer active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%

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%

ROE

-0.15%

Risk-Based Capital

14.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate2.82%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417785.31%2.82%
202327284.56%3.31%
202253782.12%4.28%
202142186.22%1.90%
202036580.82%2.74%
201933087.58%4.24%
201849282.93%7.32%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating 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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