$VBFC
Village Bank & Trust Financial Corp.

2023 Q4 Form 10-Q Financial Statement

#000155837023018847 Filed on November 13, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue $9.779M
YoY Change 6.71%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $154.0K $160.0K
YoY Change 12.41% 15.94%
% of Gross Profit
Operating Expenses $13.09M
YoY Change 101.23%
Operating Profit
YoY Change
Interest Expense $2.348M
YoY Change 459.05%
% of Operating Profit
Other Income/Expense, Net $2.442M
YoY Change 17.52%
Pretax Income $2.094M -$3.307M
YoY Change -21.92% -224.28%
Income Tax $402.0K -$754.0K
% Of Pretax Income 19.2%
Net Earnings $1.692M -$2.553M
YoY Change -21.74% -218.58%
Net Earnings / Revenue -26.11%
Basic Earnings Per Share -$1.72
Diluted Earnings Per Share $1.14 -$1.72
COMMON SHARES
Basic Shares Outstanding 1.485M 1.486M
Diluted Shares Outstanding 1.485M

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $17.71M $19.33M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $11.76M $11.85M
YoY Change 0.1% 0.75%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $736.6M $727.5M
YoY Change 1.85% -2.05%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $210.0K $200.0K
YoY Change 200.0% 244.83%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $45.00M $20.00M
YoY Change 125.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $45.21M $20.20M
YoY Change 64485.71% 34727.59%
LONG-TERM LIABILITIES
Long-Term Debt $14.46M $14.50M
YoY Change 0.06% 0.36%
Other Long-Term Liabilities $4.041M $2.400M
YoY Change 39.83% 19.64%
Total Long-Term Liabilities $18.51M $16.90M
YoY Change 6.68% 2.71%
TOTAL LIABILITIES
Total Short-Term Liabilities $45.21M $20.20M
Total Long-Term Liabilities $18.51M $16.90M
Total Liabilities $669.1M $663.8M
YoY Change 1.04% -3.0%
SHAREHOLDERS EQUITY
Retained Earnings $11.78M $10.35M
YoY Change 7.47% 14.61%
Common Stock $5.908M $5.894M
YoY Change 0.68% 0.56%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $67.56M $63.69M
YoY Change
Total Liabilities & Shareholders Equity $736.6M $727.5M
YoY Change 1.85% -2.05%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income $1.692M -$2.553M
YoY Change -21.74% -218.58%
Depreciation, Depletion And Amortization $154.0K $160.0K
YoY Change 12.41% 15.94%
Cash From Operating Activities $3.437M $3.030M
YoY Change -30.43% -44.79%
INVESTING ACTIVITIES
Capital Expenditures $66.00K $120.0K
YoY Change -45.0% -138.83%
Acquisitions
YoY Change
Other Investing Activities -$8.286M $17.28M
YoY Change -378.8% -182.82%
Cash From Investing Activities -$8.352M $17.16M
YoY Change -392.85% -181.04%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 3.301M -26.84M
YoY Change -114.17% 281.85%
NET CHANGE
Cash From Operating Activities 3.437M 3.030M
Cash From Investing Activities -8.352M 17.16M
Cash From Financing Activities 3.301M -26.84M
Net Change In Cash -1.614M -6.650M
YoY Change -89.59% -70.72%
FREE CASH FLOW
Cash From Operating Activities $3.437M $3.030M
Capital Expenditures $66.00K $120.0K
Free Cash Flow $3.371M $2.910M
YoY Change -30.06% -49.8%

Facts In Submission

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us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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CY2023Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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CY2022Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
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us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
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CY2022Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
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CY2022Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
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CY2022Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
2371000
CY2022Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
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us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
2821000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
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CY2023Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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CY2022Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
3047000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
64014000
CY2023Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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90000
CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.16
CY2023Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
237000
CY2023Q3 us-gaap Net Income Loss
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CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
2371000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
63685000
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
60053000
CY2022Q3 us-gaap Stock Issued During Period Value Stock Options Exercised
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us-gaap Increase Decrease In Other Operating Liabilities
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1523000
us-gaap Net Cash Provided By Used In Operating Activities
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5329000
CY2022Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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52000
CY2022Q3 us-gaap Common Stock Dividends Per Share Declared
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CY2022Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
207000
CY2022Q3 us-gaap Net Income Loss
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CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
58372000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
61111000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
358000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
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us-gaap Dividends Common Stock Cash
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712000
us-gaap Net Income Loss
NetIncomeLoss
226000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
2821000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
63685000
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
63401000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
272000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.42
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
620000
us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
58372000
us-gaap Net Income Loss
NetIncomeLoss
226000
us-gaap Net Income Loss
NetIncomeLoss
6143000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
445000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
409000
us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
8000
us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
24000
us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
76000
us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
159000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-300000
us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
-4986000
vbfc Gain On Sale Of Sba Loans
GainOnSaleOfSbaLoans
79000
vbfc Gain Loss On Loans Held For Sale
GainLossOnLoansHeldForSale
1950000
vbfc Gain Loss On Loans Held For Sale
GainLossOnLoansHeldForSale
4018000
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
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us-gaap Share Based Compensation
ShareBasedCompensation
358000
us-gaap Share Based Compensation
ShareBasedCompensation
272000
us-gaap Proceeds From Sale Of Mortgage Loans Held For Sale
ProceedsFromSaleOfMortgageLoansHeldForSale
89222000
us-gaap Proceeds From Sale Of Mortgage Loans Held For Sale
ProceedsFromSaleOfMortgageLoansHeldForSale
143011000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
90429000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
138928000
us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
124000
us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-103000
us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
233000
us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
224000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-115000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
96000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
798000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
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us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
143000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
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us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
38747000
us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
64488000
us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
50079000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
17176000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
10871000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
27923000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
14925000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
550000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
353000
vbfc Payments To Acquire Restricted Stock
PaymentsToAcquireRestrictedStock
224000
vbfc Payments To Acquire Restricted Stock
PaymentsToAcquireRestrictedStock
20000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
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us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
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us-gaap Payments Of Dividends
PaymentsOfDividends
712000
us-gaap Payments Of Dividends
PaymentsOfDividends
620000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
2031000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
3771000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
1319000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
3151000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
2653000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
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CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
16678000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
92616000
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
19331000
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
32181000
us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
503000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
480000
vbfc Unrealized Loss On Securities Available For Sale
UnrealizedLossOnSecuritiesAvailableForSale
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vbfc Unrealized Loss On Securities Available For Sale
UnrealizedLossOnSecuritiesAvailableForSale
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us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
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vbfc Minimum Pension Adjustments Through Noncash Payments Amount
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vbfc Minimum Pension Adjustments Through Noncash Payments Amount
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CY2022Q4 us-gaap Loans And Leases Receivable Allowance
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3370000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
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CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
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CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
226000
us-gaap Net Income Loss
NetIncomeLoss
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CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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1485000
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
1476000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
1485000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
1475000
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
1485000
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
1476000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
1485000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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EarningsPerShareBasic
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CY2022Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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EarningsPerShareDiluted
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CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
10658
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
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CY2023Q3 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest Before Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss
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CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
22000
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
10209000
CY2023Q3 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
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CY2022Q4 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest Before Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss
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CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
40000
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
13790000
CY2022Q4 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
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CY2023Q3 us-gaap Debt Securities Available For Sale Weighted Average Yield
DebtSecuritiesAvailableForSaleWeightedAverageYield
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us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
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us-gaap Repayments Of Federal Home Loan Bank Borrowings
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us-gaap Proceeds From Sale Of Available For Sale Securities Debt
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CY2022Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
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CY2022Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
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CY2022Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
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CY2022Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
56971000
CY2022Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
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CY2022Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
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CY2022Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
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CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
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CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
4809000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
63361000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
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CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
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CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
13790000
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CY2022Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position
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76826000
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10209000
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19962000
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10797000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
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AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
17446000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
15375000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
66028000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
58234000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Single Maturity Date Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis
114233000
CY2023Q3 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
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PercentageOfClassOfLoansToLoanPortfolio
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FinancingReceivableUnamortizedLoanCommitmentOriginationFeeCosts
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CY2022Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
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CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
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3353000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
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3370000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss
563449000
CY2022Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
535645000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Nonaccrual
FinancingReceivableExcludingAccruedInterestNonaccrual
299000
CY2022Q4 us-gaap Financing Receivable Excluding Accrued Interest Nonaccrual
FinancingReceivableExcludingAccruedInterestNonaccrual
654000
us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
11000
CY2022Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
538427000
us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff
7000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
7000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
65374000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
102484000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
106188000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
49871000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
32091000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
151410000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Revolving
FinancingReceivableExcludingAccruedInterestRevolving
58683000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
566101000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
566101000
CY2023Q3 vbfc Financing Receivable And Net Investment In Lease Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableAndNetInvestmentInLeaseRecordedInvestment90DaysPastDueAndStillAccruing
2445000
CY2022Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
538427000
CY2022Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1725000
CY2023Q3 vbfc Impaired Financing Receivable With No Related Allowance Recorded Investment1
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment1
2080000
CY2023Q3 vbfc Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance1
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance1
2080000
CY2022Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
6903000
CY2022Q4 us-gaap Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
7023000
CY2022Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
408000
CY2022Q4 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
408000
CY2022Q4 vbfc Impaired Financing Receivable With Related Allowance
ImpairedFinancingReceivableWithRelatedAllowance
9000
CY2023Q3 vbfc Impaired Financing Receivable Recorded Investment1
ImpairedFinancingReceivableRecordedInvestment1
2080000
CY2023Q3 vbfc Impaired Financing Receivable Unpaid Principal Balance1
ImpairedFinancingReceivableUnpaidPrincipalBalance1
2080000
CY2022Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
7311000
CY2022Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
7431000
CY2022Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
9000
us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
63000
CY2023Q3 vbfc Impaired Financing Receivable Average Recorded Investment1
ImpairedFinancingReceivableAverageRecordedInvestment1
2076000
CY2023Q3 vbfc Impaired Financing Receivable Interest Income Accrual Method1
ImpairedFinancingReceivableInterestIncomeAccrualMethod1
188000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
3290000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
222000
CY2022Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
5163000
CY2022 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
24
CY2022 vbfc Financing Receivable Modifications Number Of Contracts New Identifications
FinancingReceivableModificationsNumberOfContractsNewIdentifications
0
CY2022 vbfc Financial Receivable Modifications Subsequent Default Number Of Contracts2
FinancialReceivableModificationsSubsequentDefaultNumberOfContracts2
0
CY2023 vbfc Financial Receivable Modifications Subsequent Default Number Of Contracts2
FinancialReceivableModificationsSubsequentDefaultNumberOfContracts2
0
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3256000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
-53000
CY2023Q3 vbfc Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff1
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff1
16000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
166000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3353000
CY2022Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
531116000
CY2023Q3 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
243390000
CY2023Q3 vbfc Percentage Of Noninterest Bearing Demand To Deposits
PercentageOfNoninterestBearingDemandToDeposits
0.388
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3423000
CY2022Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
100000
CY2022Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
187000
CY2022Q3 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
34000
CY2022Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3370000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3370000
us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
-52000
vbfc Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff1
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff1
23000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
185000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3353000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3423000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-300000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
209000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
456000
CY2022Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3370000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3423000
CY2022 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-300000
CY2022 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
217000
CY2022 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
464000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3370000
CY2023Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-53000
CY2022Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
100000
CY2023Q3 us-gaap Provision For Other Losses
ProvisionForOtherLosses
53000
CY2022Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
100000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-52000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-300000
us-gaap Provision For Other Losses
ProvisionForOtherLosses
52000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-300000
CY2023Q3 vbfc Financing Receivable Allowance For Credit Loss Excluding Accrued Interest And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAndOffBalanceSheetCreditLossLiability
3680000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3350000
CY2023Q3 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
329000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-52000
CY2022 vbfc Loan Growth Being Offset By Improved Credit Metrics As Non Performing Loans As Percentage Of Loans
LoanGrowthBeingOffsetByImprovedCreditMetricsAsNonPerformingLoansAsPercentageOfLoans
0.0013
vbfc Loan Growth Being Offset By Improved Credit Metrics As Non Performing Loans As Percentage Of Loans
LoanGrowthBeingOffsetByImprovedCreditMetricsAsNonPerformingLoansAsPercentageOfLoans
0.0006
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
162000
us-gaap Provision For Other Losses
ProvisionForOtherLosses
52000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-300000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3353000
CY2023Q3 vbfc Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment2
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment2
3353000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
566101000
CY2023Q3 vbfc Financing Receivable Individually Evaluated For Impairment1
FinancingReceivableIndividuallyEvaluatedForImpairment1
2080000
CY2023Q3 vbfc Financing Receivable Collectively Evaluated For Impairment1
FinancingReceivableCollectivelyEvaluatedForImpairment1
564021000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3370000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
9000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3361000
CY2022Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
538427000
CY2022Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
7311000
CY2022Q4 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
255236000
CY2022Q4 vbfc Percentage Of Noninterest Bearing Demand To Deposits
PercentageOfNoninterestBearingDemandToDeposits
0.409
CY2023Q3 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
81779000
CY2023Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Checking
PercentageOfInterestBearingDomesticDepositsToDepositsChecking
0.130
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
90252000
CY2022Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Checking
PercentageOfInterestBearingDomesticDepositsToDepositsChecking
0.144
CY2023Q3 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
210439000
CY2023Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Money Market
PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket
0.336
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
179036000
CY2022Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Money Market
PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket
0.286
CY2023Q3 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
42367000
CY2023Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Savings
PercentageOfInterestBearingDomesticDepositsToDepositsSavings
0.068
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
55695000
CY2022Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Savings
PercentageOfInterestBearingDomesticDepositsToDepositsSavings
0.089
CY2023Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Time Deposits
PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits
0.019
CY2022Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Time Deposits
PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits
0.008
CY2023Q3 us-gaap Interest Bearing Domestic Deposit Other Time Deposit
InterestBearingDomesticDepositOtherTimeDeposit
36986000
CY2023Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Other Time Deposit
PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit
0.059
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Other Time Deposit
InterestBearingDomesticDepositOtherTimeDeposit
39784000
CY2022Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Other Time Deposit
PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit
0.064
CY2023Q3 us-gaap Deposits
Deposits
626774000
CY2023Q3 vbfc Percentage Of Domestic Deposits Liability Total
PercentageOfDomesticDepositsLiabilityTotal
1.000
CY2022Q4 us-gaap Deposits
Deposits
624743000
CY2022Q4 vbfc Percentage Of Domestic Deposits Liability Total
PercentageOfDomesticDepositsLiabilityTotal
1.000
CY2023Q3 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
1447000
CY2022Q4 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
1223000
CY2023Q3 us-gaap Federal Home Loan Bank Advances Long Term
FederalHomeLoanBankAdvancesLongTerm
20000000
CY2023Q3 us-gaap Other Borrowings
OtherBorrowings
0
CY2022Q4 us-gaap Other Borrowings
OtherBorrowings
0
CY2023Q3 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
47300000
vbfc Variable Interest Rate Replacement Spread Adjustment
VariableInterestRateReplacementSpreadAdjustment
0.0026161
vbfc Variable Interest Rate Replacement Spread Adjustment
VariableInterestRateReplacementSpreadAdjustment
0.0026161
vbfc Percentage Of Tier One Risk Based Capital Required For Capital Adequacy
PercentageOfTierOneRiskBasedCapitalRequiredForCapitalAdequacy
0.25
CY2018Q1 us-gaap Proceeds From Issuance Of Subordinated Long Term Debt
ProceedsFromIssuanceOfSubordinatedLongTermDebt
5539000
vbfc Variable Interest Rate Replacement Spread Adjustment
VariableInterestRateReplacementSpreadAdjustment
0.0026161
CY2023Q3 us-gaap Subordinated Debt
SubordinatedDebt
5700000
CY2022Q4 us-gaap Subordinated Debt
SubordinatedDebt
5692000
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
14
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
25.28
CY2022Q4 vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingFairValue
9.76
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
734
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
25.63
CY2021Q4 vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingFairValue
9.76
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
0
vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Forfeited Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeitedFairValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
0
vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Forfeited Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeitedFairValue
0
us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
0
vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Exercised During Period Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedDuringPeriodFairValue
0
us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
345
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
25.50
vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Exercised During Period Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedDuringPeriodFairValue
9.76
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
14
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
25.28
CY2023Q3 vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingFairValue
9.76
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
0
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
389
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
25.74
CY2022Q3 vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingFairValue
9.76
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
0
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
14
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
389
us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1
P1Y9M7D
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
358000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
272000
us-gaap Number Of Reportable Segments
NumberOfReportableSegments
2
CY2023Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
8462000
CY2023Q3 vbfc Mortgage Banking Income Noninterest Income
MortgageBankingIncomeNoninterestIncome
489000
CY2023Q3 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
828000
CY2023Q3 us-gaap Revenues
Revenues
9779000
CY2023Q3 us-gaap Interest Expense
InterestExpense
2348000
CY2023Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
3310000
CY2023Q3 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
-4986000
CY2023Q3 us-gaap Other Expenses
OtherExpenses
2442000
CY2023Q3 us-gaap Operating Expenses
OperatingExpenses
13086000
CY2023Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
-3307000
CY2023Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-754000
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
-2553000
CY2023Q3 us-gaap Assets
Assets
727504000
CY2022Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
6955000
CY2022Q3 vbfc Mortgage Banking Income Noninterest Income
MortgageBankingIncomeNoninterestIncome
973000
CY2022Q3 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
777000
CY2022Q3 us-gaap Revenues
Revenues
8705000
CY2022Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
100000
CY2022Q3 us-gaap Interest Expense
InterestExpense
420000
CY2022Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
3446000
CY2022Q3 us-gaap Other Expenses
OtherExpenses
2078000
CY2022Q3 us-gaap Operating Expenses
OperatingExpenses
6044000
CY2022Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2661000
CY2022Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
508000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
2153000
CY2022Q3 us-gaap Assets
Assets
742703000
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
24144000
vbfc Mortgage Banking Income Noninterest Income
MortgageBankingIncomeNoninterestIncome
1353000
us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
2442000
us-gaap Revenues
Revenues
27939000
us-gaap Interest Expense
InterestExpense
5541000
us-gaap Labor And Related Expense
LaborAndRelatedExpense
10173000
us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
-4986000
us-gaap Other Expenses
OtherExpenses
7168000
us-gaap Operating Expenses
OperatingExpenses
27868000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
71000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-155000
us-gaap Net Income Loss
NetIncomeLoss
226000
CY2023Q3 us-gaap Assets
Assets
727504000
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
19954000
vbfc Mortgage Banking Income Noninterest Income
MortgageBankingIncomeNoninterestIncome
2942000
us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
2446000
us-gaap Revenues
Revenues
25342000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-300000
us-gaap Interest Expense
InterestExpense
1238000
us-gaap Labor And Related Expense
LaborAndRelatedExpense
10394000
us-gaap Other Expenses
OtherExpenses
6397000
us-gaap Operating Expenses
OperatingExpenses
17729000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
7613000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1470000
us-gaap Net Income Loss
NetIncomeLoss
6143000
CY2022Q3 us-gaap Assets
Assets
742703000
CY2023Q2 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-10431000
CY2023Q3 vbfc Other Comprehensive Income Loss After Unrealized Gain Loss On Afs Securities And Defined Benefit Plan Adustments
OtherComprehensiveIncomeLossAfterUnrealizedGainLossOnAfsSecuritiesAndDefinedBenefitPlanAdustments
-1568000
CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
-3939000
CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
2371000
CY2023Q3 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-8060000
CY2022Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-10881000
vbfc Other Comprehensive Income Loss After Unrealized Gain Loss On Afs Securities And Defined Benefit Plan Adustments
OtherComprehensiveIncomeLossAfterUnrealizedGainLossOnAfsSecuritiesAndDefinedBenefitPlanAdustments
-1118000
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
-3939000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
2821000
CY2023Q3 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-8060000
CY2022Q2 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-7879000
CY2022Q3 vbfc Other Comprehensive Income Loss After Unrealized Gain Loss On Afs Securities And Defined Benefit Plan Adustments
OtherComprehensiveIncomeLossAfterUnrealizedGainLossOnAfsSecuritiesAndDefinedBenefitPlanAdustments
-3689000
CY2022Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-3689000
CY2022Q3 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-11568000
CY2021Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-744000
vbfc Other Comprehensive Income Loss After Unrealized Gain Loss On Afs Securities And Defined Benefit Plan Adustments
OtherComprehensiveIncomeLossAfterUnrealizedGainLossOnAfsSecuritiesAndDefinedBenefitPlanAdustments
-10824000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-10824000
CY2022Q3 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-11568000
CY2023Q3 us-gaap Banking Regulation Capital Conservation Buffer Common Equity Tier One Risk Based Capital Actual
BankingRegulationCapitalConservationBufferCommonEquityTierOneRiskBasedCapitalActual
0.025
CY2023Q3 us-gaap Banking Regulation Capital Conservation Buffer Tier One Risk Based Capital Actual
BankingRegulationCapitalConservationBufferTierOneRiskBasedCapitalActual
0.025
CY2023Q3 us-gaap Banking Regulation Capital Conservation Buffer Total Risk Based Capital Actual
BankingRegulationCapitalConservationBufferTotalRiskBasedCapitalActual
0.025
CY2023Q3 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.04
CY2023Q3 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Well Capitalized Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum
0.065
CY2023Q3 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.080
CY2023Q3 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.100
CY2023Q3 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.050
CY2023Q3 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Capital Adequacy Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum
0.045
CY2023Q3 us-gaap Banking Regulation Capital Conservation Buffer Common Equity Tier One Risk Based Capital Actual
BankingRegulationCapitalConservationBufferCommonEquityTierOneRiskBasedCapitalActual
0.025
CY2023Q3 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.060
CY2023Q3 us-gaap Banking Regulation Capital Conservation Buffer Tier One Risk Based Capital Actual
BankingRegulationCapitalConservationBufferTierOneRiskBasedCapitalActual
0.025
CY2023Q3 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.080
CY2023Q3 us-gaap Banking Regulation Capital Conservation Buffer Total Risk Based Capital Actual
BankingRegulationCapitalConservationBufferTotalRiskBasedCapitalActual
0.025
CY2023Q3 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.040
CY2023Q3 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
149641000
CY2022Q4 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
130275000
CY2023Q3 us-gaap Loans Held For Sale Fair Value Disclosure
LoansHeldForSaleFairValueDisclosure
5400000
CY2023Q3 vbfc Loans Held For Sale Unpaid Principal Balance
LoansHeldForSaleUnpaidPrincipalBalance
5400000
CY2022Q4 us-gaap Loans Held For Sale Fair Value Disclosure
LoansHeldForSaleFairValueDisclosure
2300000
CY2022Q4 vbfc Loans Held For Sale Unpaid Principal Balance
LoansHeldForSaleUnpaidPrincipalBalance
2200000

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