Versailles Savings and Loan Company: how it compares with its peers
Against 36 OH banks with half to twice its assets, Versailles Savings and Loan Company's strongest measure in Q2 2026 is assets per employee ($9.4M vs. a $5.2M peer median). Its weakest relative measure is net interest margin (3.69% vs. 3.74%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 0.72% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.69% | 3.74% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.22% | 78.55% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $5.2M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.50% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 63.22% is better than the 78.55% 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
- The Peoples Bank Gambier, OH · $60M
- The Waterford Commercial and Savings Bank Waterford, OH · $60M
- The Peoples Savings Bank New Matamoras, OH · $72M
- Fortuna Bank Grandview Heights, OH · $57M
- Community First Bank, National Association Forest, OH · $56M
- Liberty Bank Ironton, OH · $56M
Questions about Versailles Savings and Loan Company
How big is Versailles Savings and Loan Company?
Versailles Savings and Loan Company, established in 1887, is headquartered in Versailles, OH. It reported $66M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Versailles Savings and Loan Company's return on assets?
1.22% annualized in Q2 2026, against a 0.72% median for 36 OH banks with half to twice its assets, ahead of 75% of them.
What is Versailles Savings and Loan Company's efficiency ratio?
63.22% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 78.55%, and lower is better.
Is Versailles Savings and Loan Company growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits grew 7.9%.
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 OH 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 Ohio bank ranked.