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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 $0.9MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $47.7M7%Noninterest $3.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.53%1.15%1.04%1.02%0.82%1.25%1.22%+18 bps
Return on Equity1.82%2.63%5.87%5.30%5.18%4.20%6.49%6.40%+110 bps
Net Interest Margin3.37%3.25%3.39%3.43%3.42%3.38%3.34%3.49%+6 bps
Efficiency Ratio80.65%77.75%57.52%58.78%59.79%68.68%64.77%63.22%+444 bps
Non-Interest Burden2.71%2.52%1.93%2.00%2.02%2.31%2.15%2.19%+19 bps
Growth
Asset Growth (YoY)5.33%8.07%5.47%8.39%4.77%2.80%5.07%6.59%-179 bps
Loan Growth (YoY)4.34%5.99%5.47%5.63%2.96%3.62%2.21%1.48%-415 bps
Deposit Growth (YoY)6.82%9.83%10.81%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.19%1.11%1.11%1.16%1.22%1.22%1.20%1.21%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio20.76%19.61%19.88%20.10%20.04%19.15%18.54%19.25%-84 bps
Total Risk-Based Capital20.76%19.61%19.88%20.10%20.04%19.15%18.54%19.25%-84 bps
Equity / Assets20.16%19.14%20.07%19.73%19.84%19.02%19.40%18.84%-89 bps
Liquidity & Funding
Loans / Deposits101.03%97.24%97.76%96.36%94.67%94.11%94.25%90.59%-576 bps
Liquid Assets / Assets12.57%11.72%11.81%11.86%11.76%12.37%13.27%13.06%+119 bps
CRE / Total Capitaln/an/an/an/a13.03%14.00%9.52%n/an/a