BlastPoint's Banking Scorecard
Village Bank and Trust, National Association
Community
Specialty: Commercial
IL
FDIC cert 34011
Arlington Heights, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Village Bank and Trust, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 31.57% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+12.9% YoY
+4.4% QoQ
|
+$2.1B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.6B
+7.9% YoY
+3.4% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.9B
+11.5% YoY
+2.5% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.87%
-5.0% YoY
-1.8% QoQ
|
+0.71% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.70%
-4.1% YoY
+0.5% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
31.06%
-6.8% YoY
-0.2% QoQ
|
-31.57% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.41%
-4.5% YoY
-14.8% QoQ
|
-0.22% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
92.23%
-3.3% YoY
+0.9% QoQ
|
+9.17% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
23.53%
-10.6% YoY
-11.8% QoQ
|
+2.49% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.33%
-9.7% YoY
-23.1% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
10.61%
+0.1% YoY
-0.3% QoQ
|
+0.36% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.37%
+0.8% YoY
+33.1% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.06%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Liquidity Strain
risk
#167 of 513 · Bottom 32% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.23%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Efficiency Ratio
Current: 31.06% · Tier avg: 62.63%
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
89
89th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.53% · Tier avg: 21.05%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.61% · Tier avg: 10.24%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.23% · Tier avg: 83.06%
Top Weaknesses
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.23% · Tier avg: 83.06%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.61% · Tier avg: 10.24%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.53% · Tier avg: 21.05%
89
89th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
99
99th pctile
Efficiency Ratio
Current: 31.06% · Tier avg: 62.63%