Bank of Versailles: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.82 percentage points in Q2 2026, from 121.86% to 123.68%. It was the largest change from Q1 2026 among the key lines here. Bank of Versailles has the highest loan-to-deposit ratio of the 192 banks headquartered in Missouri, 123.68% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Bank of Versailles reported 123.68% on loan-to-deposit ratio in Q2 2026, 42.84 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $317.9M |
| Net loans and leases | $313.9M |
| Loans held for sale | $0 |
| Loans to total assets | 88.55% |
| Loan-to-deposit ratio | 123.68% |
| Net loans to equity capital | 6.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.48% |
| Multifamily (5+ residential) | 0.62% |
| Commercial and industrial | 0.68% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 11.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.24% |
| Construction concentration (Tier 1 capital + allowance) | 32.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.42% |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $287.7M | $257.1M | 4.29% | 0.63% | 0.50% |
| Q4 2023 | $290.2M | $260.9M | 4.42% | 0.55% | 0.61% |
| Q1 2024 | $292.7M | $258.2M | 4.12% | 0.53% | 0.61% |
| Q2 2024 | $291.9M | $266.1M | 4.38% | 0.52% | 0.58% |
| Q3 2024 | $293.8M | $263.3M | 4.19% | 0.56% | 0.46% |
| Q4 2024 | $299.6M | $257.0M | 4.26% | 0.55% | 0.48% |
| Q1 2025 | $299.6M | $249.6M | 4.09% | 0.53% | 0.50% |
| Q2 2025 | $303.9M | $257.6M | 3.96% | 0.58% | 0.55% |
| Q3 2025 | $312.9M | $260.4M | 3.77% | 0.48% | 0.43% |
| Q4 2025 | $314.9M | $268.5M | 3.53% | 0.68% | 0.39% |
| Q1 2026 | $314.1M | $257.8M | 3.60% | 0.61% | 0.42% |
| Q2 2026 | $317.9M | $257.0M | 3.48% | 0.68% | 0.42% |
Bank of Versailles loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Versailles, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Versailles profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1086) · FFIEC NIC profile (RSSD 625850)