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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Village Bank

Newton, Massachusetts · $2.07B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

8.5%
Equity / assets
10th of 12
0.23%
NPA / loans
3rd of 12
2.2x
Coverage of noncurrent
3rd of 12

Village Bank is the second largest of the 12 Massachusetts banks nearest its size between $1B and $3B, with $2.07B in assets at 30 June 2026. Loans are 94.5% of deposits, 7th of 12 against a median of 92.9%, and equity is 8.5% of assets, 10th of 12. Loans grew +3.4% in the year, 6th of 12, and deposits grew 1.1%; the cohort's median loan growth is +2.7%.

Noncurrent loans are 0.23% of the book, 3rd of 12 against a median of 0.99%; 0.06% is 30 to 89 days past due, and the allowance covers them 2.2 times. Commercial real estate is 28.0% of loans, 5th of 12 against a median of 31.8%, and 233% of capital, below the 300% screen, with construction at 132% against the 100% screen.

Return on assets is 0.48%, 9th of 12 against a median of 0.57%, on an efficiency ratio of 75.9%, 8th of 12. Five years ago it was 0.75%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsMA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 9.7% CB Country Bank for Savings 14.2% LF Lowell Five Cent Savings Bank 12.3% NE North Easton Savings Bank 11.4% MS Main Street Bank 11.0% FB Florence Bank 10.7% EC Everett Coop Bank 9.7% B Bankesb 9.7% CC Cape & Coast Bank 9.6% EC East Cambridge Savings Bank 9.4% VB Village Bank 8.5% BB Bluestone Bank 8.1% FR Fall River Five Cents Savings Bank 7.4%
Loans, year over yearMA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.7% LF Lowell Five Cent Savings Bank +9.0% EC Everett Coop Bank +8.5% FB Florence Bank +6.6% CB Country Bank for Savings +4.6% EC East Cambridge Savings Bank +4.0% VB Village Bank +3.4% CC Cape & Coast Bank +2.0% NE North Easton Savings Bank +1.9% BB Bluestone Bank -0.2% FR Fall River Five Cents Savings Bank -2.0% MS Main Street Bank -5.1% B Bankesb -6.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Village BankRankCohort median
Total CRE against capital, the 300% screen233%6th of 12246%
Construction against capital, the 100% screen132%12th of 1241%
Construction and land development, share of loans15.8%11th of 125.8%
Non-owner-occupied nonfarm nonresidential, share of loans7.7%1st of 1219.0%
Total CRE, the guidance definition, share of loans28.0%5th of 1231.8%
CRE growth over 36 months, the third prong+7.7%5th of 12+14.3%
Commercial real estate against capital, the 300% screenMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 246% MS Main Street Bank 153% FB Florence Bank 161% NE North Easton Savings Bank 162% CC Cape & Coast Bank 216% FR Fall River Five Cents Savings Bank 229% VB Village Bank 233% EC East Cambridge Savings Bank 260% BB Bluestone Bank 269% B Bankesb 281% CB Country Bank for Savings 289% LF Lowell Five Cent Savings Bank 331% EC Everett Coop Bank 463%
CRE growth over 36 months, the guidance's third prongMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +14.3% B Bankesb -11.8% MS Main Street Bank -11.1% EC East Cambridge Savings Bank -6.1% FR Fall River Five Cents Savings Bank +1.1% VB Village Bank +7.7% CC Cape & Coast Bank +12.2% BB Bluestone Bank +16.5% NE North Easton Savings Bank +20.6% LF Lowell Five Cent Savings Bank +30.2% FB Florence Bank +37.5% CB Country Bank for Savings +44.5% EC Everett Coop Bank +52.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Country Bank for Savings$2.24B0.8%70.0%1.14%0.00%1.0%101.6%14.2%
Village Bank$2.07B0.5%75.9%0.23%0.00%0.5%94.5%8.5%
Bankesb$2.02B0.5%69.6%1.67%0.08%1.2%91.2%9.7%
Florence Bank$2.01B0.7%68.3%0.46%0.01%0.7%71.5%10.7%
Lowell Five Cent Savings Bank$1.90B0.8%61.7%1.03%0.01%1.3%90.2%12.3%
Fall River Five Cents Savings Bank$1.86B0.4%83.5%0.73%-0.02%0.7%105.2%7.4%
North Easton Savings Bank$1.84B0.8%71.8%1.64%0.03%0.5%82.3%11.4%
Cape & Coast Bank$1.68B0.5%77.4%0.94%0.00%0.7%104.3%9.6%
Everett Coop Bank$1.67B0.8%56.5%0.10%0.00%0.7%116.6%9.7%
Main Street Bank$1.67B0.6%75.7%1.69%-0.02%0.9%90.1%11.0%
East Cambridge Savings Bank$1.66B0.4%81.9%0.20%0.00%0.6%100.2%9.4%
Bluestone Bank$1.62B0.3%83.1%1.04%0.16%0.6%90.6%8.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Village BankCohort median
20212026Change20212026Change
Loans$1.15B$1.70B+48%$983M$1.43B+45%
Deposits$1.46B$1.80B+23%$1.18B$1.50B+28%
NPA / loans0.25%0.23%-0.02 pts0.36%0.99%+0.62 pts
Efficiency66.2%75.9%+9.7 pts69.1%73.7%+4.6 pts
ROA0.75%0.48%-0.27 pts0.72%0.57%-0.15 pts

This read was prepared for Village Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Village Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $1B to $3B
Institution www.village-bank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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