| 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
| 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
Nothing unusual in Q2 2026 — steady quarter.
| 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% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | The Bank of Versailles | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+0 vs 2025) · $257.0M branch deposits. Biggest market: Morgan, MO, ranked 1st with 41.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morgan, MO | 3 | $215.3M | 41.43% | 1st |
| Camden, MO | 2 | $41.8M | 1.07% | 9th |
Missouri: 144th with 0.09% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (15 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).