The Versailles Savings and Loan Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Yield on securities edged up by 0.17 percentage points, from 3.01% to 3.18%, the largest move among the key lines here. The Versailles Savings and Loan Company ranks 79th of 156 Ohio banks on net interest margin, in the lower half at 3.67% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Versailles Savings and Loan Company sits 0.22 points lower, at 3.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 5.45% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $623K |
| Total interest expense | $197K |
| Interest expense on deposits | $197K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.33% | 1.10% | 3.51% | 4.78% | 1.23% |
| Q4 2023 | 4.46% | 1.27% | 3.52% | 4.91% | 1.28% |
| Q1 2024 | 4.55% | 1.38% | 3.51% | 4.99% | 1.27% |
| Q2 2024 | 4.66% | 1.47% | 3.56% | 5.08% | 1.36% |
| Q3 2024 | 4.85% | 1.75% | 3.53% | 5.20% | 1.32% |
| Q4 2024 | 4.85% | 1.86% | 3.44% | 5.27% | 1.51% |
| Q1 2025 | 4.86% | 1.77% | 3.49% | 5.33% | 1.52% |
| Q2 2025 | 4.96% | 1.75% | 3.59% | 5.38% | 1.75% |
| Q3 2025 | 4.99% | 1.77% | 3.59% | 5.41% | 1.74% |
| Q4 2025 | 4.95% | 1.78% | 3.55% | 5.44% | 2.90% |
| Q1 2026 | 4.93% | 1.65% | 3.61% | 5.46% | 3.01% |
| Q2 2026 | 4.93% | 1.57% | 3.67% | 5.45% | 3.18% |
The Versailles Savings and Loan Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Versailles Savings and Loan Company, freeSource: Call Report Schedules RI and RC-K, 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)