Bank of Versailles
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Data as of · sourced from FFIEC call reports. How we update
Bank of Versailles is an FDIC-insured commercial bank headquartered in Versailles, MO, established in 1882 (FDIC certificate 1086), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $359.0M, up 4.4% from Q2 2025, the 86th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1086
- Headquarters
- Versailles, MO
- Established
- 1882
- Total assets, Q2 2026
- $359.0M
- Assets vs Q2 2025
- +4.4%
- Tier 1 leverage ratio, Q2 2026
- 14.99%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101203971
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Versailles call report
- Holding company
- BOV HOLDING COMPANY
- Asset rank in state
- 86th of 191 in Missouri
Bank of Versailles runs leaner than most banks of its size. Its balance sheet stood at $359 million at June 30, 2026, up 4.4% from a year earlier; it is based in Versailles, Missouri. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 20% from a year earlier, to $1.6 million. Over the same year, loans grew 4.6% and deposits shrank 0.2%.
As of June 30, 2026, Bank of Versailles reported a return on assets of 1.79%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.16%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Bank of Versailles is the 86th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $359.0M, loans rose 1.2% and deposits fell 0.3%. 1-4 family residential loans made up 77.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 11.6%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in MO; its Versailles 2 offices book 57% of its branch deposits. Judged on its Q2 2026 call report, Bank of Versailles meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 113 E Newton St, Versailles, MO 65084
- County
- Morgan
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1882
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $257.0M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $348.9M
- Average total loans
- $313.9M
- Average interest-bearing deposits
- $215.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1086
- Fed RSSD
- 625850
- SEC CIK
- 1553640 → filed by BOV HOLDING COMPANY
- Website
- bankov.com →
- Parent Holding Company
- BOV HOLDING COMPANY (RSSD 3643837)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Versailles reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Versailles's total assets ran between $323.0M (Q3 2023) and $359.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$359.0M total assets against $343.7M; $306.7M total liabilities against $295.2M.
$313.9M net loans and leases against $299.9M; $257.0M total deposits against $257.6M.
$0 securities against $0; $38.2M cash and balances due against $37.4M.
$4.6M total interest income against $4.3M; $1.2M total interest expense against $1.2M.
$3.4M net interest income against $3.0M.
$49K total noninterest income against $49K; $1.4M total noninterest expense against $1.4M.
-$2K provision for credit losses against $7K.
$1.6M net income against $1.3M.
1.79% return on assets against 1.54%; 3.90% net interest margin against 3.62%.
14.99% tier 1 leverage ratio against 14.39%.
Inside the full Bank of Versailles terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bank of Versailles rankings
Its closest position to the top of a national ranking is 207 of 3,606, for efficiency ratio; its furthest is 3,182 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.44% (Q1 2025) to 1.79% (Q2 2026) and its net interest margin ran from 3.43% (Q1 2025) to 3.90% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.99% | 1.79% | 0.03% | 0.16% | 3.90% |
| Q1 2026 | 14.84% | 1.68% | 0.00% | 0.00% | 3.74% |
| Q4 2025 | 14.47% | 1.62% | 0.00% | 0.00% | 3.74% |
| Q3 2025 | 14.47% | 1.74% | 0.00% | 0.00% | 3.71% |
| Q2 2025 | 14.39% | 1.54% | 0.00% | 0.00% | 3.62% |
| Q1 2025 | 14.31% | 1.44% | 0.00% | 0.00% | 3.43% |
| Q4 2024 | 14.34% | 1.53% | 0.00% | 0.00% | 3.59% |
| Q3 2024 | 14.07% | 1.64% | 0.00% | 0.00% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Versailles | Versailles , MO | 65084 | $145.4M |
| Laurie Banking Branch | Gravois Mills , MO | 65037 | $69.9M |
| Greenview Bank Branch | Camdenton , MO | 65020 | $31.3M |
| Sunrise Beach Branch | Sunrise Beach , MO | 65079 | $10.5M |
| Motor Branch | Versailles , MO | 65084 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- December 6, 1994, Federal Reserve: Cease and Desist Order: The Bank of Versailles, Versailles, KS
- Period: Most recent institution action December 6, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 125 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Versailles
What are Bank of Versailles's total assets?
As of the Q2 2026 filing, Bank of Versailles reported total assets of $359.0 million in its FFIEC call report.
Where is Bank of Versailles headquartered?
It is headquartered in Versailles, MO, United States.
When was Bank of Versailles founded?
It was established in 1882, per the FDIC institution directory.
Is Bank of Versailles FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Versailles?
Bank of Versailles's primary federal regulator is the Federal Reserve.
How many branches does Bank of Versailles operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Versailles's Texas Ratio?
Its Texas Ratio is 0.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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