The Versailles Savings and Loan Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 82.7% higher than in Q1 2026, at $3.3M. The Versailles Savings and Loan Company ranks 47th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 90.59% (Q2 2026). The Versailles Savings and Loan Company reported 90.59% on loan-to-deposit ratio for Q2 2026, 22.67 points above the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.9M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 4.99% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.59% |
| Net loans and leases to deposits | 89.50% |
| Loans and leases to core deposits | 96.74% |
| Core deposits to total deposits | 93.65% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 103.43% | 98.00% | $0 | $2.1M |
| Q4 2023 | 100.76% | 96.06% | $0 | $2.1M |
| Q1 2024 | 102.71% | 96.00% | $0 | $2.0M |
| Q2 2024 | 104.60% | 96.80% | $0 | $2.0M |
| Q3 2024 | 101.03% | 92.53% | $0 | $2.0M |
| Q4 2024 | 97.24% | 92.25% | $0 | $2.0M |
| Q1 2025 | 97.76% | 91.86% | $0 | $0 |
| Q2 2025 | 96.36% | 92.16% | $0 | $0 |
| Q3 2025 | 94.67% | 91.40% | $0 | $0 |
| Q4 2025 | 94.11% | 90.57% | $0 | $0 |
| Q1 2026 | 94.25% | 92.90% | $0 | $0 |
| Q2 2026 | 90.59% | 93.65% | $0 | $0 |
The Versailles Savings and Loan Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Versailles Savings and Loan Company, freeSource: Call Report Schedules RC and RC-M, 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 The Versailles Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28703) · FFIEC NIC profile (RSSD 402873)