BlastPoint's Banking Scorecard

The Bank of Versailles

$100M-$1B Specialty: Mortgage MO FDIC cert 1086

Versailles, MO

5 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits -0.2% year over year ($257.0M on the books).
Delinquency rate 0.03%.
Return on assets 1.71%.
Efficiency ratio 40.95% vs a 64.48% peer average.
Loan-to-deposit ratio 122.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

The Bank of Versailles has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 8.5% in tier
+ Efficiency Ratio 23.52% below tier average
+ ROA 0.39% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.1% in tier
- Credit Risk Growth: Bottom 11.9% in tier
- Loan-to-Deposit Ratio 44.18% above tier average
- Non-Interest Income / Assets 0.54% below tier average
- Net Interest Margin 0.14% below tier average

Get updates when The Bank of Versailles releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$359.0M +4.4% YoY +2.5% QoQ	-$27.6M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$313.9M +4.7% YoY +1.2% QoQ	+$55.6M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$257.0M -0.2% YoY -0.3% QoQ	-$69.7M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	1.71% +16.5% YoY +2.4% QoQ	+0.39%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	3.85% +8.0% YoY +1.2% QoQ	-0.14%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	40.95% -9.4% YoY -1.6% QoQ	-23.52%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 4.7% in tier
Delinquency Rate ?	0.03%	-0.89%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	122.13% +4.9% YoY +1.5% QoQ	+44.18%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 0.8% in tier
Non-Interest-Bearing Deposit Share ?	16.04% -2.3% YoY +3.6% QoQ	-5.99%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.03%	-0.64%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	14.99% +4.2% YoY +1.0% QoQ	-0.92%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.03% -2.2% YoY +97.1% QoQ	-0.54%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Bottom 2.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	16.0% -0.4pp YoY +0.6pp QoQ	-6.1pp	22.1%	20.9%	22.2%	27%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	0.7% +0.1pp YoY +0.1pp QoQ	-10.9pp	11.6%	12.3%	12.5%	3%
CRE	9.9% -0.7pp YoY -0.3pp QoQ	-29.6pp	39.5%	36.8%	41.4%	5%
1-4 Family	78.0% +0.9pp YoY +0.3pp QoQ	+45.4pp	32.6%	31.9%	31.3%	96%
Consumer	0.4% -0.1pp YoY 0.0pp QoQ	-3.7pp	4.1%	4.1%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	15.0% +0.6pp YoY +0.1pp QoQ	+2.8pp	12.2%	11.6%	12.6%	87%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	40 +1 (+2.6%) YoY -1 (-2.4%) QoQ	-19	58	162	482	41%
Assets per Employee ($)	$9.0M +1.8% YoY +5.1% QoQ	+$1.5M	$7.5M	$8.0M	$8.8M	79%
Branch Count	5 0 YoY 0 QoQ	0	4	10	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.0%	-0.9pp	0.9%	0.8%	1.0%	8%
Allowance Coverage	43.38x	+19.23x	24.15x	10.47x	20.23x	94%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	24%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	11.8% +1.3pp YoY +0.3pp QoQ	-0.4pp	12.2%	14.3%	11.6%	48%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	31%
Net Income ($, YTD)	$3.0M +21.1% YoY — QoQ	+$474K	$2.6M	$11.3M	$40.4M	70%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#57 of 659 • Top 8.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#78 of 1256 • Bottom 6.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#112 of 936 • Bottom 11.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

126

Efficiency Ratio

profitability

Value: 40.95%

Peer Median: 64.48%

#126 of 2643 Top 4.7% in $100M-$1B

457

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#457 of 2643 Top 17.3% in $100M-$1B

462

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#462 of 2633 Top 17.5% in $100M-$1B

626

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.32%

#626 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (2 metrics)

2623

Loan-to-Deposit Ratio

liquidity

Value: 122.13%

Peer Median: 77.95%

#2623 of 2643 Bottom 0.8% in $100M-$1B

2582

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2582 of 2643 Bottom 2.3% in $100M-$1B