# VILLAGE BANK
SAINT LIBORY, IL · FDIC certificate 10439 · asset band <$300M · latest filing 2023-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $125.9M | |
| Deposits | $105.7M | |
| Loans and leases | $55.9M | |
| Total equity | $19.1M | |
| Loans / deposits | 52.84% (p27 of band) | 68.34% |
| Liquid assets / assets | 42.79% (p62 of band) | |
| Uninsured deposits / deposits | 14.77% (p32 of band) | 19.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.99% (p5 of band) | 11.20% |
| Unrealized securities loss / equity | -0.51% (p91 of band) | -21.45% |
| AOCI / equity | 0.00% (p30 of band) | |
| ROA (annualized) | 1.81% (p85 of band) | 0.98% |
| Net interest margin | 5.13% (p94 of band) | 3.56% |
| Efficiency ratio | 30.97% (p1 of band) | |
| Noncurrent loans | 0.25% (p54 of band) | 0.19% |
| Net charge-offs (annualized) | 0.02% (p78 of band) | |
| Reserve coverage of noncurrent | 47.52% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $4.8M (8.50% of loans; DQ 1.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 2 | reserve under noncurrent |  |
| 2015-09 | 0 |  | capital falling, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | assets shrinking |
| 2016-12 | 1 |  | deposits shrinking |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | uninsured deposits leaving |  |
| 2021-06 | 1 |  | uninsured deposits leaving |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2022-09 | 3 | securities losses >30% of equity | capital falling |
| 2022-12 | 3 | leverage <7%, NIM <2.5% | noncurrent p90, securities losses >30% of equity |
| 2023-03 | 1 |  | leverage <7%, NIM <2.5% |
| 2023-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-21 [Kankakee man arrested for Lake Village bank robbery - Newsbug.info](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOeVJQQW9JZ1ZuLVdSTm84TjhYcnB1OFdZR05KQ2hCZ0JrajU1NVNVcGxhbU40Z0tXWmJtU0ctQzZTZGtWRDRsMVp4WEkwY0s0NDliOUpmLUgyTE5qY2t0UjBhdzNLQ1JyaUtHMmFJWFRkV3l3aFBjSTNyTzFtNVhLa3cza3NDWUxJVGQyYVR0VlZ6VUpzUWllZHA0NWVWUWllbm53XzFURThjRkYyeEtUZGVaOVhVTzVHV3k4WEZHRzhTLWlVR0d4NWo0blpUVHZyMFpsamVZS202dUp1dTlrUUJ1dDRRLTZyZWJmeV85end1VDJo?oc=5) · Newsbug.info
- 2026-07-01 [FHLBank Chicago and Wintrust Celebrate Opening of Poupard Place - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxPVTMydmEtUHotR2p4b1RtNEY5YldQWG5tcWZmeXNVUWk2aXMwZFFnZWRKcXZKYWNRT1lLYktyT3FIWDZHZVJPNEMtRnh2Y2hfVWRmRGY4TWpiNFJpZm5BaWlWSmk0VFdobURBU3NhOW1mX2VhV21saGtJZVVhczZBby04Z0VmeTM3eTN4SGVOdDVvcXpJZjlqcWJILW5PQ2FxRVNjcmpoX0FPeUhVWjcwazNLbkVmYlVucG5IbQ?oc=5) · Business Wire
- 2022-06-13 [First National Bank of Waterloo to acquire The Village Bank in latest Metro East deal - KSDK](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQOGxIMWhMQnBfTXhQVHlrTW9WbmJ0UXdnNXA5TzhCNTEwZ3U2TzlVQmhfMDZaUm9Kd3V2TDNTWG0wcEw5X2F4bnVfS1dmYklaTUdRbXNjXzRwb3otUGw5ZUNGMHRfU1VSaUlQeVpCSlBxSU1OWDJuRWxpMGYwU2YwR0c3VXFVUXhzWmxhRjlpd1VDZVJDTVljSjlvdjd6VjVFUHRIOEQyUVQtU0VGLU1obVppQTZMWlNSeE9zVG1nejZEeTRkYlNQZkYxejd2LV84RzM4Ym9GYWhubllwNS1OazVqRTVkbGVXc214a0lReExHdVk?oc=5) · KSDK
- 2023-07-27 [The Village Bank officially joins First National Bank of Waterloo - Illinois Business Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxNWVZyTFFnek5UT0lhTVFVR1AyNTU5QTZ0TS1Bd3dBTHpnZzdVV09JdEhsQmxDQkc1azRaVG9CS0tNbHhudkVQYzNXS0R1SUlRcUhJZ21feUV2ODExZUlJQUptRG9zdk5IYWNnQWtjSTdkNi0yanNjeW9XcEg4VVZsYlJIMFZaa00zaHlpX1RnSnRUT2FJNTdDYVRrOHRacHR2ZF9TdzFB?oc=5) · Illinois Business Journal
- 2026-02-13 [Chicago suburb sues Fifth Third for ex-mayor’s alleged theft - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUkNheGxkd2NVR1NscjZBcy1vd2hYSmJqczRlM3phZWZrUUdZTkgyZEtjZ2JNNi1vanJNalAwTmQyaGZXT2xuTjF2SXozUG9TcVRaY2VjR3RoZll3VTBsdnh5ZG5Ma08xMUJxbUxWT1FJM1c4bHdDeXBNZld5M2ZfZEFRMHdtdmNZYzdpRXJKNTgtcUFocE5IdVBBWW5lWVQ0YWc?oc=5) · Banking Dive
- 2026-02-12 [Small Illinois town sues bank, says it let mayor blow millions in taxpayer money - Straight Arrow](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdk4tQ1JSTU9jOTQtVzN5V3VtRUhVMHM1cUdYNEZId2hYeVE3MUNnd0JwWHl2NFpyVTdVR09FZzl2NWhHaENGLUxYUk5wcUpaWlctVzVNNU13N0RmREREZFdDdTY1VHlldTRHa2lacUU1WEZfbUFyX1djQkJTWk1EdXQ3QXdtVnZ4UnhmLWJKb3JNWEU?oc=5) · Straight Arrow
- 2025-11-05 [Dixmoor Man Charged With Elk Grove Village Bank Robbery - Journal & Topics](https://news.google.com/rss/articles/CBMinAFBVV95cUxPWWNaWkpLaF9XWlFlRmZHMk5vdTF6ZXBtMG1qdkpYVk5lSjNjUkZFUzEwaDdHbFd0UWpzdHBsQmRqM1daM0dHNzlUWmp6aHQ5WkhIWjI1MVhFUXJId3psVWZUNEFGMEtiQ0hXa1RnLWlUaUE1cjVtRFoxZl9QZU1mRnl0T3gxbW9NZkdpTHU4eVpWby1sa3hkVEZPamc?oc=5) · Journal &amp; Topics
- 2026-02-11 [Dolton sues bank claiming it should’ve stopped Tiffany Henyard’s spending spree - WGN-TV](https://news.google.com/rss/articles/CBMinAFBVV95cUxNR3VPVWxucFk2Yk9TOGNXQzNuQmtSbUxxZ2l2ZDNOSmx5Q3hhWGtidEhkRFRmbU54VThnUXBQWmJBUkhVd0RRT2JFS2pqMVU1WGdvR1JWUHdiX0VteTBSaGl5UzFZY3BqUC1Zb3JhUWxnLXZsV25BWW9sOWxwNk1pS3J5VkJ3Y0xUV0h2cjlzM1N5a1h6a2xNX01ZRm7SAaIBQVVfeXFMTmNYX29na2hvcC1wclFPTUZPby0yTWlJZExCekZFdUFoM2NMc052VHFGMUZDYlBPNE1xWnY2NTJNTDE1OU9rSjVIRjh5Wm4xMDNOT09UbURJMHBqeFN2U1FHSU5FYldMQUlQSFVMWDNaaHBWTUd0a09YMmRwNnhGbVdId1drVjlweURzMUxrM3lLQnV1S2FFMVVSRk10M0lXY2hR?oc=5) · WGN-TV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10439 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "10439", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide