# BANK OF VERSAILLES
VERSAILLES, MO · FDIC certificate 1086 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $359.0M | |
| Deposits | $257.0M | |
| Loans and leases | $317.9M | |
| Total equity | $52.3M | |
| Loans / deposits | 122.13% (p99 of band) | 82.04% |
| Liquid assets / assets | 10.64% (p6 of band) | |
| Uninsured deposits / deposits | 23.01% (p40 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.65% (p85 of band) | |
| FHLB advances / assets | 13.65% | |
| Tier 1 leverage | 14.99% (p89 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.71% (p76 of band) | 1.28% |
| Net interest margin | 3.85% (p46 of band) | 3.91% |
| Efficiency ratio | 40.95% (p6 of band) | |
| Noncurrent loans | 0.03% (p14 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 4338.04% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 34.68% (p42 of band) | |
| Auto loans | $488,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | losing money, charge-offs p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 4 |  | construction >100% equity |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | losing money |  |
| 2012-12 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2013-03 | 6 | capital falling, expense ratio p90 |  |
| 2013-06 | 4 |  | charge-offs p90, capital falling |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking, expense ratio p90 |
| 2013-12 | 0 |  | losing money |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 0 |  | expense ratio p90 |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 | deposits shrinking | uninsured deposits leaving |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 0 |  | loans exceed deposits |
| 2016-03 | 1 | loans exceed deposits |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | capital falling, expense ratio p90 |  |
| 2016-12 | 0 |  | loans exceed deposits, capital falling, expense ratio p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | loans exceed deposits |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | loans exceed deposits |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | loans exceed deposits |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | liquid assets <10%, deposits shrinking |  |
| 2023-09 | 2 |  | liquid assets <10% |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | uninsured deposits leaving |  |
| 2025-09 | 3 | liquid assets <10% |  |
| 2025-12 | 2 |  | uninsured deposits leaving |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-10-08 [Bank of Versailles to mark 100th year as state member bank - Kansas City Fed](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWXptMFIxdXRhSVFaZWVtSFNUaF9SWnc0S1IyOFVyd0tpRF9UVFVQMW1zLWxBN3BxLTYwZE9ucDRWOHFwZERNRTU5YWoxRkIyVXdFZ0xLb3VKTWx2eU16dzdyS1ZvbnBQSkhBdlFGZVN5UmVEWkhhcmhGdGgtdllqZG53?oc=5) · Kansas City Fed
- 2015-05-26 [Bank Of Versailles To Open Shawnee Bend Location June 1 - LakeExpo.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPaGtyTFd3ZG1xdHBpSGV3eVY0LVd6aVNSYnRrU3ZmVXY1STd0ckQwM21fcm1JbTQ0OE80TnF5VnBrTGh2TWlYRzFSUVJOX1REM2NmNzlqM0JBYjRWYkd1TFRaYzlDYTRrVGNqd1NnOHJ2NHFXd2RQdDliR0tNc0xXbWhYZk9rclR3cWhUOHphUFFjWHdwVU43TU5KWjlNb1JtUml5elhfc0RyenVYQ3hHSmEzbXBKcllFZjNsMUgwSDRJMWVfV004WVp6REoxVUloUDNUcmlqWXAtSjFv?oc=5) · LakeExpo.com
- 2023-12-06 [Prosecutors file charges against Versailles man found nude and blood-covered on street - KRCG](https://news.google.com/rss/articles/CBMijAJBVV95cUxPaC02ZFdka3M0c1kxTzNMQUE0c2szb1lFTEFlcmw2Tk5CanM4S2pmQVowemxqVW5RVVRzNHBaaXI2OGE2VkoyTFNfZlRRb2x3UWM3Zno4bGlTelRueGRGVHpVWnd1NE9uYVJDMHcyaWVHUnpPTjkwU2lpSldsVUVjaHNFWU5WLTdMT0VENXZVWGpRcGQyNVdZZi1WMXFPeDE3d1lJOS0wcWVxbGs4dmVsa3o3aS01d2VOMkRuXzVrMl9ERnJweEYtbUtDQlZTOEFGNFdZQVpsam9oWnpIdXQwQjJ4WWlGeG93RUlZX1QwLWN5a1dDaTNuQjFtSVdvZDdXQXNLS2tlRFJKeXZ0?oc=5) · KRCG
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings
- 2009-11-18 [Bank of Versailles joins in Share the Harvest with $50,000 donation - The State Journal-Register](https://news.google.com/rss/articles/CBMiYkFVX3lxTE4yTzBqY2F4V3h6ekwxTTRkV2RLVnB0VGtOYmNpV0Vtc1BYcGwyWk4xVTh2RW4xUU9XTUdkbzFhVG1OVkNaRWY0OFRFTkxPZ3luWHZBYkRMZFlSbWZlYWFaZ3Vn?oc=5) · The State Journal-Register
- 2020-08-24 [Uinta Bank marks 100 years as state member bank - Kansas City Fed](https://news.google.com/rss/articles/CBMimgFBVV95cUxNam0ybWxHQzktWEhSUkRfNTdZa09pOFJCa0xfSjI2LUNVTDk0ZVBaVVYwaEtxczRxbUtqMmRXeWhUREVkaWhsVEVqUkxpQkxqcHFWeVlRdHU4R21sWlBFNzFmd2JkeEtydDU5MmFJRzhXakpIRU1MSDQ1SGtPRW45Qmp3Y0ZoT21jT3FYUU9NWHdNYlVBdl9pUFdn?oc=5) · Kansas City Fed
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2025-04-18 [Billy Michael Beach Obituary (2025) - Laurie, MO - Kidwell-Garber Funeral Home - Laurie/Sunrise Beach Chapel - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFA1TUNuUklGOGI3WTFvT2JjTWd5WWwtZ1JZWGRIVHppcm83eTRXMVp5aF9LZTQ2QkZKLXEzYVNNaTVGOFZ2b0IxcHJLbWM1cVNRQ3JNQXVVXzl0ZmtHZGt2clpkS3Rfb3lFSTdPOFpROW1DbEQwVmx4ZVJGeG56VHM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1086 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "1086", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide