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Village Bank and Trust, National Association
Arlington Heights, IL·FDIC Cert #34011·Charter: OCC·Est. 19950508.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$3.5B
Q4 2025
Return on Assets
1.87%
-0.04%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
31.06%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.87%-0.04
ROE
18.65%-0.27
Efficiency
31.06%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.41%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.23%+0.80
Charge-offs
-0.03%-0.11
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.0 | 1.9 | 2.0 | 2.0 | 1.8 | 1.9 | 1.9 | 1.9 |
| ROE | 18.5 | 18.6 | 18.9 | 19.1 | 17.3 | 19.1 | 18.9 | 18.6 |
| Efficiency | 34.2 | 34.0 | 34.4 | 33.3 | 31.6 | 31.5 | 31.1 | 31.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.4 | 0.4 | 0.5 | 0.5 | 0.4 |
| Charge-offs | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.1 | 0.1 | -0.0 |
| Loan/Deposit | 96.6 | 90.0 | 94.8 | 95.3 | 94.5 | 93.7 | 91.4 | 92.2 |
Balance Sheet
Total Assets$3.5B
Total Deposits$2.9B
Total Loans$2.6B
Total Equity$346.1M
Profitability
ROA1.87%
ROE18.65%
Efficiency Ratio31.06%
Net Income$60.9M
Risk & Asset Quality
NPL Ratio0.41%
Charge-off Rate-0.03%
Loan/Deposit92.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans