Village Bank and Trust Financial Corp. is the holding company for Village Bank, a community bank serving small and mid-sized businesses, professionals, and individuals in the Richmond and Williamsburg, Virginia metro areas. Village Bank operates nine full-service branches across Chesterfield, Hanover, Henrico, Powhatan, and James City counties and the city of Richmond. The bank's core business is commercial banking — taking in deposits and lending that money out at higher rates to earn a net interest margin. Village Bank focuses primarily on commercial lending (working capital loans, equipment financing, and SBA loans), commercial real estate (acquisition, development, construction, and investment property), and consumer and residential loans. Beyond interest income, the bank earns fees from deposit accounts and other banking services. Village Bank also owns Village Bank Mortgage Corporation, a subsidiary that originates residential mortgages, most of which are sold into the secondary market, generating gains on sale and origination fees. Mortgage Banking accounts for roughly 7% of total revenue, with Commercial Banking generating the remainder. Village Bank's strategy centers on full-service relationships with business clients, targeting both loan and deposit business rather than competing purely on price. The bank employs roughly 133 full-time employees, and personnel and occupancy costs represent the largest operating expenses. Village Bank is purely a local institution, and its performance is closely tied to the Central Virginia economy and real estate market.