The Bank of Versailles: how it compares with its peers
Against 78 MO banks with half to twice its assets, The Bank of Versailles's strongest measure in Q2 2026 is efficiency ratio (40.95% vs. a 57.93% peer median). Its weakest relative measure is net interest margin (3.85% vs. 4.17%).
| Measure | The Bank of Versailles | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 1.51% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 4.17% | Bottom third Ahead of 28% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.95% | 57.93% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $6.4M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 122.13% | 86.25% | Context |
What it means for lending operations
Its efficiency ratio of 40.95% is better than the 57.93% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank New Haven, MO · $357M
- Heritage Community Bank Union, MO · $348M
- Community Bank of Raymore Raymore, MO · $347M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Exchange Bank Co. Kahoka, MO · $342M
- Midwest Independent BankersBank Jefferson City, MO · $341M
Questions about The Bank of Versailles
How big is The Bank of Versailles?
The Bank of Versailles, established in 1882, is headquartered in Versailles, MO. It reported $359M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Bank of Versailles's return on assets?
1.71% annualized in Q2 2026, against a 1.51% median for 78 MO banks with half to twice its assets, ahead of 55% of them.
What is The Bank of Versailles's efficiency ratio?
40.95% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 57.93%, and lower is better.
Is The Bank of Versailles growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits shrank 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.