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Versailles Savings and Loan Company, The

Versailles, OH · Cert 28703 · Versailles Financial Corp.

SL · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Versailles Savings and Loan Company, The

Versailles, OH · Cert 28703 · Versailles Financial Corp.

SL · FDIC · 1 branch

Q2 2026

$65.6MAssets
$46.3MLoans
$51.1MDeposits
$12.4MEquity
Loan mix
96%RE $43.9M2%C&I $0.7M2%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $47.7M7%Noninterest $3.4MQ2 2025Q2 2026

NIM

4.46%Q2 ’244.76%Q2 ’254.72%Q2 ’26+0%+2%

Non-interest income vs. expense

3.22%Q2 ’242.05%Q2 ’252.24%Q2 ’26-37%+10%

Executive Summary

  • Earnings: ROA of 1.22%, up 18 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.25%, down 84 bps from a year ago.
  • Funding: loans stand at 90.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+6 bps YoY

Efficiency Ratio (YTD, annualized)

63.22%+444 bps YoY

Tier 1 Leverage Ratio

19.25%-84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.02%0.82%1.25%1.22%+18 bps
Return on Equity5.30%5.18%4.20%6.49%6.40%+110 bps
Net Interest Margin3.43%3.42%3.38%3.34%3.49%+6 bps
Efficiency Ratio58.78%59.79%68.68%64.77%63.22%+444 bps
Non-Interest Burden2.00%2.02%2.31%2.15%2.19%+19 bps
Growth
Asset Growth (YoY)8.39%4.77%2.80%5.07%6.59%-179 bps
Loan Growth (YoY)5.63%2.96%3.62%2.21%1.48%-415 bps
Deposit Growth (YoY)14.67%9.88%7.06%6.01%7.94%-673 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.16%1.22%1.22%1.20%1.21%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio20.10%20.04%19.15%18.54%19.25%-84 bps
Total Risk-Based Capital20.10%20.04%19.15%18.54%19.25%-84 bps
Equity / Assets19.73%19.84%19.02%19.40%18.84%-89 bps
Liquidity & Funding
Loans / Deposits96.36%94.67%94.11%94.25%90.59%-576 bps
Liquid Assets / Assets11.86%11.76%12.37%13.27%13.06%+119 bps
CRE / Total Capitaln/a13.03%14.00%9.52%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Versailles Savings and Loan Company, The

Versailles, OH · Cert 28703 · Peer group: banks under $1B in assets in OH (n=68-71) · Versailles Financial Corp.

SL · FDIC · 1 branch

Q2 2026

$65.6MAssets
$46.3MLoans
$51.1MDeposits
$12.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OH (rank 9 of 68).
  • Widest gap: return on equity trails 73% of banks under $1B in assets in OH (rank 52 of 71).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.19%

Rank 26 of 71

Net Interest Margin

3.49%

Rank 38 of 71

Efficiency Ratio

63.22%

Rank 28 of 71

Equity / Assets

18.84%

Rank 11 of 71

Non-interest income vs. expense

$0.0M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 62% of banks under $1B in assets in OH
Bank 63.22%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.62%1.02%1.39%Beats 63%26 / 71
Return on Equity6.31%5.62%10.07%13.60%Beats 27%52 / 71
Net Interest Margin3.49%2.93%3.56%4.07%Beats 45%38 / 71
Efficiency Ratio63.22%55.94%70.77%78.80%Beats 62%28 / 71
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.27%0.97%Beats 100%9 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio19.25%11.18%13.77%20.34%Beats 69%22 / 71
Total Risk-Based Capital Ratio19.25%12.08%14.34%21.24%Beats 69%22 / 71
Equity / Assets18.84%8.41%10.74%13.32%Beats 85%11 / 71
Liquidity & Funding
Loans / Deposits90.59%64.48%76.81%87.49%79th pctl14 / 68
Loans / Assets70.57%55.33%65.58%72.51%65th pctl25 / 71
Brokered Deposits / Depositsn/aNot reported for this institution