The Bank of Versailles
Total assets
$359.0M
▲ +4.4% YoY
Deposits
$257.0M
▼ -0.2% YoY
Loans
$313.9M
▲ +4.7% YoY
Offices
5
BOV HOLDING CO
ROA (annualized)
1.71%
peers 1.24%
ROE (annualized)
11.75%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | The Bank of Versailles | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.2 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 1882
- Charter
- State
- Primary regulator
- FED
- Holding company
- BOV HOLDING CO
- Specialization
- Mortgage Lending Specialization
- Address
- 113 E Newton St, Versailles, MO, 65084
- County
- Morgan
- Offices
- 5
- FDIC cert #
- 1086
- RSSD ID
- 625850
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.0M | $257.0M | $313.9M | $52.3M | $3.0M | 1.71% | 3.85% | 0.03% |
| Q1 2026 | $350.1M | $257.8M | $310.1M | $51.9M | $1.5M | 1.67% | 3.80% | 0.00% |
| Q4 2025 | $351.6M | $268.5M | $310.9M | $50.4M | $5.4M | 1.57% | 3.67% | 0.00% |
| Q3 2025 | $350.2M | $260.4M | $308.9M | $50.0M | $4.0M | 1.56% | 3.63% | 0.00% |
| Q2 2025 | $343.7M | $257.6M | $299.9M | $48.5M | $2.5M | 1.47% | 3.56% | 0.00% |
| Q1 2025 | $339.6M | $249.6M | $295.6M | $48.1M | $1.2M | 1.42% | 3.47% | 0.00% |
| Q4 2024 | $337.4M | $257.0M | $295.6M | $46.9M | $4.9M | 1.49% | 3.53% | 0.00% |
| Q3 2024 | $330.5M | $263.3M | $289.8M | $46.4M | $3.7M | 1.49% | 3.52% | 0.00% |
Loan mix (Q2 2026): real estate $313.1M · commercial $2.2M · consumer $1.3M · securities $0
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | The Bank of Versailles | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.0% | 62.9% | 4th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Bank of Versailles | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Bank of Versailles | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Bank of Versailles | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Bank of Versailles | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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