Village Bank and Trust, National Association: SBA Lending Record

What SBA's own loan files show about Village Bank and Trust, National Association as an SBA lender, and how a lender's record bears on a feasibility study.

Village Bank and Trust, National Association: loans and programs

$277.3 million gross sits in 465 approved loans tied to Village Bank and Trust, National Association, FY2017 to FY2026. All 465 loans at Village Bank and Trust, National Association are 7(a); 0 are 504. In SBA's file, Village Bank and Trust, National Association sits in IL. SBA, not Village Bank and Trust, National Association, guarantees these 465 loans. The figures for Village Bank and Trust, National Association are loan records only. SBA records Village Bank and Trust, National Association as holding, or having held, these 465 loans.

Asset classes and states in the Village Bank and Trust, National Association book

Village Bank and Trust, National Association has 302 loans, of 465, outside the classes covered on this site. Across tracked classes, Village Bank and Trust, National Association runs: Limited-service restaurant (48), Full-service restaurant (38), Liquor store (11), Dental office (10), Child care center (8), Automotive mechanical repair (car and truck) (7), Medical office (physicians) (7), Coffee shop and snack bar (6). Limited-service restaurant borrowers can weigh a project next to 48 such loans at Village Bank and Trust, National Association. Village Bank and Trust, National Association shows 38 loans in Full-service restaurant, the next class. Liquor store comes third at Village Bank and Trust, National Association, with 11 loans. Wisconsin ranks second among states for Village Bank and Trust, National Association, at 13 loans. The state column for Village Bank and Trust, National Association opens Illinois (412), Wisconsin (13), Indiana (10), Texas (6), California (5). IL is the lender state; Illinois shows the most loans, 412.

What SBA records on outcomes for Village Bank and Trust, National Association

For Village Bank and Trust, National Association approvals from FY2017 to FY2024, 7.2% are known cancelled, a floor. Above 7.2%, the ceiling for Village Bank and Trust, National Association is withheld under Loan Analytics' rule of fewer than 30 loans, and a blank rate never means a zero. Village Bank and Trust, National Association shows floors, not final rates, so any later charge-offs inside the group can only push it up. Among FY2017 to FY2021 disbursements at Village Bank and Trust, National Association, 3.5% are charged off at the file date, a floor, among 257 loans. Village Bank and Trust, National Association's five-year rate is held back on the same under-30 rule.

The Village Bank and Trust, National Association record and a feasibility study

Limited-service restaurant at Village Bank and Trust, National Association opens with a look at demand. Next, a study of Full-service restaurant must test the cost to build, with 38 such loans on Village Bank and Trust, National Association's record. Debt service coverage follows, and $277.3 million across 465 loans at Village Bank and Trust, National Association cannot settle it for a borrower. Fourth follows the appraisal, which no count of 11 Liquor store loans at Village Bank and Trust, National Association makes unnecessary. A borrower in Illinois can look at 412 loans in the Village Bank and Trust, National Association record, and one in Wisconsin, 13. Village Bank and Trust, National Association alone can say what it requires. Nothing guarantees approval, and Village Bank and Trust, National Association sets its own terms.

SBA loans held by Village Bank and Trust, National Association

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026465
Gross dollars approved$277.3 million
SBA 7(a) loans465
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)7.2%
The same, counting loans still undisbursed as cancelled (a ceiling)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)3.5%
Charged off within five years of approvalwithheld
Loans in that cohort257

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes302
Limited-service restaurant48
Full-service restaurant38
Liquor store11
Dental office10
Child care center8
Automotive mechanical repair (car and truck)7
Medical office (physicians)7
Coffee shop and snack bar6

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or areaLoans
Illinois412
Wisconsin13
Indiana10
Texas6
California5

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-34011.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Village Bank and Trust, National Association or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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