BlastPoint's Banking Scorecard
Versailles Savings and Loan Company
Designations: ✓ Community bank
Versailles, OH
Versailles Savings and Loan Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.30% below tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.2M
+2.8% YoY
+1.7% QoQ
|
-$154.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$45.5M
+3.5% YoY
+2.1% QoQ
|
-$93.7M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$49.0M
+7.1% YoY
+2.7% QoQ
|
-$134.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.82%
+55.7% YoY
-19.4% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.61%
+1.0% YoY
+0.1% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
68.68%
-11.7% YoY
+14.9% QoQ
|
+0.95% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
92.95%
-3.3% YoY
-0.6% QoQ
|
+18.43% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
7.10%
+9.1% YoY
-2.4% QoQ
|
-15.30% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
-5.7% YoY
+31.1% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metricDelinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Concerns (2)
Non-Interest-Bearing Deposit Share
metricNon-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
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%