The Versailles Savings and Loan Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Versailles Savings and Loan Company of Versailles, OH against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.20% | 3.13% | -1.93% | 58th above |
| ROAE | 6.33% | 10.31% | -3.98% | 37th below |
| Net Interest Margin | 3.67% | 3.94% | -0.27% | 37th below |
| Efficiency Ratio | 61.73% | 76.34% | -14.61% | 67th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.39% | 1.40% | -0.01% | 57th above |
| Yield on Earning Assets | 4.93% | 5.35% | -0.42% | 38th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.57% | 1.70% | -0.13% | 49th below |
| Net Interest Spread | 3.23% | 3.32% | -0.09% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.21% | 1.49% | -0.28% | 47th below |
| Texas Ratio | 0.00% | 8.28% | -8.28% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.25% | 17.64% | +1.61% | 79th top |
| Equity / Assets | 18.84% | 16.44% | +2.40% | 78th top |
| TCE / Tangible Assets | 18.84% | 16.19% | +2.65% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.59% | 72.80% | +17.79% | 18th bottom |
| Core Deposit Ratio | 93.65% | 88.27% | +5.38% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.59% | 4.26% | +2.33% | 72nd above |
| Loan Growth (Y/Y) | 1.48% | 6.76% | -5.28% | 46th below |
| Deposit Growth (Y/Y) | 7.94% | 3.72% | +4.22% | 77th top |
See The Versailles Savings and Loan Company's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Versailles Savings and Loan Company, 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 The Versailles Savings and Loan Company profile, how to read a UBPR, or how this data updates.