# VILLAGE BANK
NEWTON, MA · FDIC certificate 26336 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $2.07B | |
| Deposits | $1.80B | |
| Loans and leases | $1.70B | |
| Total equity | $176.4M | |
| Loans / deposits | 94.05% (p71 of band) | 87.10% |
| Liquid assets / assets | 15.10% (p23 of band) | |
| Uninsured deposits / deposits | 52.09% (p92 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.95% (p40 of band) | |
| FHLB advances / assets | 3.95% | |
| Tier 1 leverage | 9.50% (p23 of band) | 10.50% |
| Unrealized securities loss / equity | -32.91% (p7 of band) | -7.75% |
| AOCI / equity | -0.57% (p31 of band) | |
| ROA (annualized) | 0.48% (p8 of band) | 1.26% |
| Net interest margin | 2.62% (p7 of band) | 3.70% |
| Efficiency ratio | 75.85% (p89 of band) | |
| Noncurrent loans | 0.23% (p25 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 217.85% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 152.71% (p98 of band) | |
| Auto loans | $707,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 150 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **run vulnerability** (`liq_runrisk`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 | reserve under noncurrent | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | capital falling, construction >100% equity |  |
| 2016-06 | 2 |  | reserve under noncurrent |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 1 |  | loans exceed deposits, capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 6 | uninsured deposits >50%, run vulnerability, expense ratio p90, NIM <2.5% | securities losses >30% of equity, AOCI drag >20% of equity |
| 2023-06 | 7 | securities losses >30% of equity |  |
| 2023-09 | 5 |  | uninsured deposits >50%, run vulnerability |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | capital falling |
| 2024-06 | 5 | losing money |  |
| 2024-09 | 5 | capital falling | securities losses >30% of equity |
| 2024-12 | 6 | uninsured deposits >50%, securities losses >30% of equity, run vulnerability | losing money, capital falling |
| 2025-03 | 2 |  | expense ratio p90, uninsured deposits >50%, securities losses >30% of equity, run vulnerability |
| 2025-06 | 6 | uninsured deposits >50%, securities losses >30% of equity, run vulnerability, expense ratio p90 |  |
| 2025-09 | 5 |  | expense ratio p90 |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 | expense ratio p90 | NIM <2.5%, securities losses >30% of equity |
| 2026-06 | 4 | securities losses >30% of equity | expense ratio p90 |

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

- 2026-08-13 [Village Bank launches retail incubator as it expands into two Massachusetts towns - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNFJoYjR2X0dCQmZJMWk4c1cyOHYxTXljbHpjSGNYTlAyQTNLeXI5ZFIxY2xuTGJaMm5UQ1JvelZTOVFhZWw4U0lPeVZoZWlxVGs1TS1FdGUzakVWWXpVaGFZQlpMVjZIMGplRDhoTlNKU2Q3ckFjaXU5Tm9ZSm50bVJtVGh1OXdvMzNTVVhMTVFNbTE2NzBRdQ?oc=5) · The Business Journals
- 2026-05-11 [Boston-area bank will host retail incubator in new branch - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdWJ4NkFyeXViaGRGVUF6M0V6ekYtR1RNMUdKSEdEN1hhZXVOT255alBnWHVrYTN5ZkhYNVpBT3oyWnB0OENCSEVyOXpsdjJvV3dXSE91aGpIMVpleWNQeURFejduLWlVeTZrMWdVOUxsSXlxTVZEWmJjaFdTQ2JweVpFR3BUczBUZm1rNjd1b0MwRDR1Z04zUg?oc=5) · American Banker
- 2026-06-23 [Paul Davis Joins Eastern Bank As Senior Vice President, Commercial Real Estate Relationship Manager - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQTlJvbnJLYjRhWjlZTDcyX1JVU19sd1ctUER4LVVYaG04d1Z2eWtMSFpjZVBncklqLXRIbHk3NWIwalNudFMyaXZ6VEZ0amItT0hEbnI3el8zQ3o1UDd0bzY5b1RIRXdpcExGTFJXcXdPQTlCNlJEN05JMmVPV0syWjBJOEpnNWtTRUZVTWNqdk9OQklRQnBMRHdIc1M2c2k4VnFvUWlfSEdaQ3VEUllVMWI2cXNvNnE3bXVibHlKQnh3bUJ4ZC13NlY2cWZHTUNIYVVVSldSb0J0Tmx3OHNBY0tvSkhHUFgtY1pN?oc=5) · Business Wire
- 2026-05-13 [Business buzz: Dover Saddlery closing Wellesley store after 50+ years; Village Bank opens applications for retail incubator - The Swellesley Report](https://news.google.com/rss/articles/CBMigwJBVV95cUxQRGFYSm5Ic3NvN2JMN0QtNklYc0N2dW5NSEtCc1p0OGtYMXl3VXhMb24xZUFQTWlHMEFYM3lPOGRVTGw0SGJlVlF3VzdlZ053b1FrZ0JNdkx1NkFXTnJ0elkySkZYRUdYbHczeDQ1Zlo3Y21OSm5zeTdJWXhwTFFZaTB1NGhzWUZfclhwcjllanRjQmhSRXdGRE8yczVZazhxQzQwX2g0WGpOeE8wSU5vV1BhVmFBMXprRThIZzFWWm9KRGFNRnRBZlpJLWNCRFdQOXRUX2JoUDJqeVItUUJMb21tSFdocjJKZlc4cU8zMHZzaTZCYkhqVGhyMjZDSHNCUFVR?oc=5) · The Swellesley Report
- 2026-07-28 [New Market Opens In Historic Milton Bank Building - Patch](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTGlnamxKVFJjdUxqWmQxc1BWNGljS2FHMkotTUk0RWlyeXpNSFVDWmVFUUVMM3pMLVdDNTVZd3JfaEtvVVJtLXI0eEtYZ0duMmRXY2M5TzdLTFhjMW1JX2F0SlVIOGVhbXhnZWtxb0NQdDM2M0h1SkRhVEFkNEVOdUIyYms1S2ZFS2E4cXhn?oc=5) · Patch
- 2026-06-11 [Newton Food Drive In Honor Of Fallen Mayor Continues Through July - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxOTGhfYXJXRUZzMDBHdlhPYjAzd0NxS1RjN1RfbWN2R0Iyc2l6XzB4NHlKZ002LVdFaVAzT0tpWHJ3WjFHb3lucG13ekVFd0JSODlkdzlaTVB3di1kUmF0eFpnSDgwR0VHeE1TZEVHYUNYdXZxeVFFb2Vmb08yUmktQWNuemJnMDE0NGl4Unpsbm1Cd0NCMjBBMEk1dTVxNXc?oc=5) · Patch
- 2026-02-16 [Look how Village Bank plans to boost retail in downtown Wellesley MA - Wicked Local](https://news.google.com/rss/articles/CBMi1wFBVV95cUxON0NYQmdNcUVBNWFnTW9lOXJkRjBNdUJjNVVvYUFkNVVZZ0l1dnBfb19WeEIzUDhKVlVoZC1pcktyM1JBczRId0RGRElPOTdaNFlacXp6c0JWZzVzWlBCNVV4ZGdiLVlsN0Y5dEx3bS0xWEFDM2lzQkJSSE03YUtBVlNwUno0LVFFM3F5Nkh5THloVnh5YWZ5Qk1Xb2ZxemlRbXQ1akVQUnozV2VCR3pUSkhrRjRXd0d4VXJFWHd1ekxBRmxHWHNzZ1JtTXRNNkxkbTNEVi1MQQ?oc=5) · Wicked Local
- 2026-02-06 [The Village Bank moving into Wellesley’s former E.A. Davis space - The Swellesley Report](https://news.google.com/rss/articles/CBMipgFBVV95cUxNemdLLU5kbmdmOEhFY3lpajNrOTlfWE9weFZqWGxkeUNzdVNqVmFhVDhiSktEcXpiQ0MtNVAtLUgwNXIxQlJDbzRzMWtOQ3F2ZDJHeExHTmRiTFNJcV9lYjJrQmwtYlBKQVMwUDVTNUpyLVViQkxHTEJHRWtzX3NHZmt5VWR4Y2NUSWo5VkNDSEJFSWttaGpJNHQ1M3huRGdnV2VSTUpB?oc=5) · The Swellesley Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26336 (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/32.json (key "26336", 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