The Versailles Savings and Loan Company
BankRegReports is independent of The Versailles Savings and Loan Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Versailles Savings and Loan Company is an FDIC-insured savings and loan association headquartered in Versailles, OH, established in 1887 (FDIC certificate 28703), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $65.6M, up 6.6% from Q2 2025, the 142nd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28703
- Headquarters
- Versailles, OH
- Established
- 1887
- Total assets, Q2 2026
- $65.6M
- Assets vs Q2 2025
- +6.6%
- Tier 1 leverage ratio, Q2 2026
- 19.25%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 242272887
- Latest call report
- Q2 2026, FFIEC 051 · The Versailles Savings and Loan Company Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- VERSAILLES FINANCIAL CORPORATION
- Asset rank in state
- 142nd of 154 in Ohio
The Versailles Savings and Loan Company, based in Versailles, Ohio, reported $66 million in assets at June 30, 2026, up 6.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 1.9%). It also funds 19.25% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 12.81%).
Earnings jumped: net income for the quarter was $194,000, 36% above the same quarter a year earlier. Over the same year, loans grew 1.5% and deposits grew 7.9%.
As of June 30, 2026, The Versailles Savings and Loan Company reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Versailles Savings and Loan Company ranks as the 142nd largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.7% to $65.6M, loans rose 1.4% and deposits rose 5.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 93.9% of total loans, followed by farmland and other real estate loans at 1.9%. Its one office in the FDIC Summary of Deposits is in Versailles, OH. Judged on its Q2 2026 call report, The Versailles Savings and Loan Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 10413 Kley Rd, Versailles, OH 45380
- County
- Darke
- Metro Area
- Greenville, OH
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 13, 1887
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $51.1M
- Allowance for credit losses
- $560K
- Net charge-offs (YTD)
- $0
- Average total assets
- $64.9M
- Average total loans
- $45.7M
- Average interest-bearing deposits
- $46.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28703
- Fed RSSD
- 402873
- SEC CIK
- 1471092 → filed by VERSAILLES FINANCIAL CORPORATION
- Website
- www.versaillessavingsbank.com →
- Parent Holding Company
- VERSAILLES FINANCIAL CORPORATION (RSSD 4151544)
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, The Versailles Savings and Loan Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Versailles Savings and Loan Company's total assets moved between a low of $56.3M (Q3 2023) and a high of $65.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$65.6M total assets against $61.6M; $53.3M total liabilities against $49.4M.
$45.8M net loans and leases against $45.1M; $51.1M total deposits against $47.4M.
$5.4M securities against $3.2M; $12.5M cash and balances due against $11.3M.
$775K total interest income against $735K; $197K total interest expense against $203K.
$578K net interest income against $532K.
$10K total noninterest income against $8K; $363K total noninterest expense against $324K.
$13K provision for credit losses against $35K.
$194K net income against $143K.
1.20% return on assets against 0.94%; 3.67% net interest margin against 3.59%.
19.25% tier 1 leverage ratio against 20.10%.
Inside the full The Versailles Savings and Loan Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Versailles Savings and Loan Company rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.24% (Q4 2025) to 1.20% (Q2 2026) and its net interest margin ran from 3.44% (Q4 2024) to 3.67% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.25% | 1.20% | 0.00% | 0.00% | 3.67% |
| Q1 2026 | 18.54% | 1.18% | 0.00% | 0.00% | 3.61% |
| Q4 2025 | 19.15% | 0.24% | 0.00% | 0.00% | 3.55% |
| Q3 2025 | 20.04% | 0.97% | 0.00% | 0.00% | 3.59% |
| Q2 2025 | 20.10% | 0.94% | 0.00% | 0.00% | 3.59% |
| Q1 2025 | 19.88% | 1.14% | 0.00% | 0.00% | 3.49% |
| Q4 2024 | 19.61% | 0.97% | 0.00% | 0.00% | 3.44% |
| Q3 2024 | 20.76% | 1.14% | 0.00% | 0.00% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Versailles Savings and Loan Company | Versailles , OH | 45380 | $51.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 168 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows The Versailles Savings and Loan Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Versailles Savings and Loan Company
What are The Versailles Savings and Loan Company's total assets?
As of the Q2 2026 filing, The Versailles Savings and Loan Company reported total assets of $65.6 million in its FFIEC call report.
Where is The Versailles Savings and Loan Company headquartered?
It is headquartered in Versailles, OH, United States.
When was The Versailles Savings and Loan Company founded?
It was established in 1887, per the FDIC institution directory.
Is The Versailles Savings and Loan Company FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28703). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Versailles Savings and Loan Company?
The Versailles Savings and Loan Company's primary federal regulator is the FDIC.
How many branches does The Versailles Savings and Loan Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Versailles Savings and Loan Company's Texas Ratio?
Its Texas Ratio is 0.00% 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.
Go deeper on The Versailles Savings and Loan Company.
Get an email when The Versailles Savings and Loan Company files its next call report, and benchmark it against any peer you choose.
Unlock The Versailles Savings and Loan Company, freeFree account