BlastPoint's Banking Scorecard

The Bank of Versailles

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

Versailles, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

The Bank of Versailles has 4 strengths but faces 4 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 28.9% in tier
+ Efficiency Ratio 23.66% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.40% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 66.7% in tier
- Loan-to-Deposit Ratio 43.68% above tier average
- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.13% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$350.1M +3.1% YoY -0.4% QoQ	-$35.9M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$310.1M +4.9% YoY -0.2% QoQ	+$54.4M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$257.8M +3.3% YoY -4.0% QoQ	-$70.2M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	1.67% +17.5% YoY +6.4% QoQ	+0.40%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	3.80% +9.7% YoY +3.5% QoQ	-0.13%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	41.63% -8.5% YoY -3.5% QoQ	-23.66%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 5.5% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	120.32% +1.6% YoY +3.9% QoQ	+43.68%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 1.0% in tier
Non-Interest-Bearing Deposit Share ?	15.49% -14.8% YoY +7.9% QoQ	-6.53%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.84% +3.7% YoY +2.6% QoQ	-0.99%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.01% +1.2% YoY -75.5% QoQ	-0.27%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Bottom 2.4% in tier

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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

#193 of 664 • Top 28.9% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline

#133 of 198 • Bottom 66.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.49%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

148

Efficiency Ratio

profitability

Value: 41.63%

Peer Median: 65.29%

#148 of 2664 Top 5.5% in $100M-$1B

634

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.27%

#634 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2639

Loan-to-Deposit Ratio

liquidity

Value: 120.32%

Peer Median: 76.64%

#2639 of 2664 Bottom 1.0% in $100M-$1B

2602

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2602 of 2664 Bottom 2.4% in $100M-$1B