BlastPoint's Banking Scorecard
The Bank of Versailles
Micro
Specialty: Mortgage
MO
FDIC cert 1086
Designations: ✓ Community bank
Versailles, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
The Bank of Versailles has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.58% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 41.27% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$351.6M
+4.2% YoY
+0.4% QoQ
|
+$134.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$310.9M
+5.2% YoY
+0.6% QoQ
|
+$171.7M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$268.5M
+4.5% YoY
+3.1% QoQ
|
+$84.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.57%
+5.4% YoY
+0.9% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.67%
+4.1% YoY
+1.3% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
43.15%
-4.5% YoY
+0.4% QoQ
|
-24.58% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
115.80%
+0.7% YoY
-2.4% QoQ
|
+41.27% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.36%
-6.3% YoY
-8.7% QoQ
|
-8.04% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
-37.0% YoY
+33.5% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.15%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
115.80%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Loan-to-Deposit Ratio
Current: 115.80% · Tier avg: 74.53%
96
96th pctile
Efficiency Ratio
Current: 43.15% · Tier avg: 67.73%
94
94th pctile
Total Loans
Current: $310.9M · Tier avg: $139.2M
81
81th pctile
Total Assets
Current: $351.6M · Tier avg: $217.5M
78
78th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
75
75th pctile
Total Deposits
Current: $268.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.36% · Tier avg: 22.39%
3
3th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.36% · Tier avg: 22.39%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Total Deposits
Current: $268.5M · Tier avg: $183.7M
78
78th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
81
81th pctile
Total Assets
Current: $351.6M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $310.9M · Tier avg: $139.2M
96
96th pctile
Efficiency Ratio
Current: 43.15% · Tier avg: 67.73%
98
98th pctile
Loan-to-Deposit Ratio
Current: 115.80% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%