The Village Bank: how it compares with its peers
Against 35 MA banks with half to twice its assets, The Village Bank's strongest measure in Q2 2026 is assets per employee ($13.8M vs. a $10.5M peer median). Its weakest relative measure is net interest margin (2.62% vs. 3.10%).
| Measure | The Village Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.48% | 0.73% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.62% | 3.10% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.85% | 69.99% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.8M | $10.5M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.05% | 97.01% | Context |
What it means for lending operations
Its efficiency ratio of 75.85% is above the 69.99% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- TruNorth Bank Easthampton, MA · $2.02B
- Florence Bank Florence, MA · $2.01B
- The Lowell Five Cent Savings Bank Tewksbury, MA · $1.90B
- Country Bank for Savings Ware, MA · $2.24B
- Fall River Five Cents Savings Bank Fall River, MA · $1.86B
- North Easton Savings Bank South Easton, MA · $1.84B
Questions about The Village Bank
How big is The Village Bank?
The Village Bank, established in 1910, is headquartered in Newton, MA. It reported $2.07B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is The Village Bank's return on assets?
0.48% annualized in Q2 2026, against a 0.73% median for 35 MA banks with half to twice its assets, ahead of 17% of them.
What is The Village Bank's efficiency ratio?
75.85% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 69.99%, and lower is better.
Is The Village Bank growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.