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
Unfavorable gap of $1.4M · efficiency ratio beats 62% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.62% | 1.02% | 1.39% | Beats 63% | 26 / 71 | |
| Return on Equity | 6.31% | 5.62% | 10.07% | 13.60% | Beats 27% | 52 / 71 | |
| Net Interest Margin | 3.49% | 2.93% | 3.56% | 4.07% | Beats 45% | 38 / 71 | |
| Efficiency Ratio | 63.22% | 55.94% | 70.77% | 78.80% | Beats 62% | 28 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.27% | 0.97% | Beats 100% | 9 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 19.25% | 11.18% | 13.77% | 20.34% | Beats 69% | 22 / 71 | |
| Total Risk-Based Capital Ratio | 19.25% | 12.08% | 14.34% | 21.24% | Beats 69% | 22 / 71 | |
| Equity / Assets | 18.84% | 8.41% | 10.74% | 13.32% | Beats 85% | 11 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 90.59% | 64.48% | 76.81% | 87.49% | 79th pctl | 14 / 68 | |
| Loans / Assets | 70.57% | 55.33% | 65.58% | 72.51% | 65th pctl | 25 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |