Bank of Versailles: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Versailles of Versailles, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.79% | 1.34% | +0.45% | 78th top |
| ROAE | 11.98% | 13.31% | -1.33% | 48th below |
| Net Interest Margin | 3.90% | 3.93% | -0.03% | 48th below |
| Efficiency Ratio | 40.30% | 61.15% | -20.85% | 95th top |
| PPNR / Avg Assets | 2.33% | 1.68% | +0.65% | 85th top |
| Yield on Earning Assets | 5.30% | 5.67% | -0.37% | 35th below |
| Cost of Funds | 1.63% | 1.88% | -0.25% | 61st above |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.94% | -0.47% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 43rd below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 266.96% | 1539.16% | -1272.20% | 56th above |
| Texas Ratio | 2.66% | 7.33% | -4.67% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.99% | 12.14% | +2.85% | 86th top |
| Equity / Assets | 14.57% | 11.37% | +3.20% | 87th top |
| TCE / Tangible Assets | 14.57% | 11.09% | +3.48% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 123.68% | 80.62% | +43.06% | 1st bottom |
| Core Deposit Ratio | 93.33% | 86.86% | +6.47% | 76th top |
| Wholesale Funding Ratio | 13.65% | 5.03% | +8.62% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.44% | 6.85% | -2.41% | 50th above |
| Loan Growth (Y/Y) | 4.61% | 7.90% | -3.29% | 45th below |
| Deposit Growth (Y/Y) | -0.21% | 6.29% | -6.50% | 22nd bottom |
See Bank of Versailles's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Versailles, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Versailles profile, how to read a UBPR, or how this data updates.