The Versailles Savings and Loan Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.66 percentage points lower than in Q1 2026, at 90.59%. The Versailles Savings and Loan Company ranks 67th of 156 Ohio banks on return on assets, in the upper half at 1.20% (Q2 2026). The Versailles Savings and Loan Company reported 1.20% on return on assets for Q2 2026, 0.22 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.25% |
| Equity capital to assets | 18.84% |
| Tangible equity to tangible assets | 18.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 6.33% |
| Net interest margin | 3.67% |
| Efficiency ratio | 61.73% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.59% |
| Core deposits to total deposits | 93.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.90% |
| Securities to assets | 8.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.50% | 1.00% | 3.51% | 0.00% | 0.00% |
| Q4 2023 | 20.62% | 0.65% | 3.52% | 0.00% | 0.00% |
| Q1 2024 | 20.83% | -0.50% | 3.51% | 0.00% | 0.00% |
| Q2 2024 | 21.00% | 0.45% | 3.56% | 0.00% | 0.00% |
| Q3 2024 | 20.76% | 1.14% | 3.53% | 0.00% | 0.00% |
| Q4 2024 | 19.61% | 0.97% | 3.44% | 0.00% | 0.00% |
| Q1 2025 | 19.88% | 1.14% | 3.49% | 0.00% | 0.00% |
| Q2 2025 | 20.10% | 0.94% | 3.59% | 0.00% | 0.00% |
| Q3 2025 | 20.04% | 0.97% | 3.59% | 0.00% | 0.00% |
| Q4 2025 | 19.15% | 0.24% | 3.55% | 0.00% | 0.00% |
| Q1 2026 | 18.54% | 1.18% | 3.61% | 0.00% | 0.00% |
| Q2 2026 | 19.25% | 1.20% | 3.67% | 0.00% | 0.00% |
The Versailles Savings and Loan Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Versailles Savings and Loan Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)