Village Bank and Trust Financial Corp. is a bank holding company. The Company has three wholly owned subsidiaries, which include Village Bank (the Bank), Southern Community Financial Capital Trust I and Village Financial Statutory Trust II. It is the holding company of and successor to the Bank. The Company acquired all of the outstanding stock of the Bank. The Bank is the primary operating business of the Company. It offers a range of banking and related financial services, including checking, savings, certificates of deposit and other depository services, and commercial, real estate and consumer loans. The Bank offers a range of financial services and products and specializes in providing customized financial services to small and medium sized businesses, professionals and associated individuals. The Bank provides its customers with personal customized service utilizing the technology and delivery channels.