The Bank of Versailles

113 East Newton Street
Versailles, MO 65084

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1086
Date Established 1882
Assets $0.26 billion
Loans $0.21 billion
Deposits $0.20 billion
Capital $0.03 billion

The Bank of Versailles is an FDIC insured institution located in Versailles, MO. It was founded in 1882 and has approximately $0.26 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of The Bank of Versailles's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in The Bank of Versailles’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Missouri, The Bank of Versailles has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 74.59
Multifamily
Mortgages
0.98
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 0.00
Construction and Development Loans 4.30
Commercial Real Estate 9.06
Commercial and Industrial Loans 1.30
Farm Loans 0.63

Deposit Rates - February 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
12 Mo CD
1.26% $500 - Learn MoreShow Less
18 Mo CD
1.26% $500 - Learn MoreShow Less
24 Mo CD
1.51% $500 - Learn MoreShow Less
30 Mo CD
1.51% $500 - Learn MoreShow Less
36 Mo CD
1.76% $500 - Learn MoreShow Less
48 Mo CD
1.76% $500 - Learn MoreShow Less
60 Mo CD
2.02% $500 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $500 $4,999 Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for The Bank of Versailles

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
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Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The Bank of Versailles
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Branches

The Bank of Versailles branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


The Bank of Versailles Locations

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Financial Details

The Bank of Versailles Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Bank of Versailles. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Bank of Versailles U.S. Bank Average
10.44% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, The Bank of Versailles had $2,433,000 in non-current loans and $1,346,000 in owned real estate. To cover these potential losses it had $32,743,000 in equity and $3,449,000 in loans loss reserves. That gives it a Texas Ratio of 10.44%.

Return on Equity
The Bank of Versailles U.S. Bank Average
9.67% 9.95%

The Bank of Versailles has a Return on Equity of 9.67% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Bank of Versailles U.S. Bank Average
12.81% 12.19%

The Bank of Versailles has a Capitalization of 12.81% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Bank of Versailles Balance Sheet Analysis

As of September 30, 2018, The Bank of Versailles had assets of $255,510,000, loans of $213,936,000, and deposits of $201,474,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.21 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.22 billion
LIABILITIES
Total deposits $0.20 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.20 billion
      % insured (estimated) 85.17%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.22 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $-0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About The Bank Of Versailles

Branches and Savings

Is The Bank Of Versailles FDIC insured?

Yes. It is covered under FDIC Certificate #1086.

Why does The Bank Of Versailles pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Bank Of Versailles CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Bank Of Versailles a commercial bank?

Yes

Where are The Bank Of Versailles locations?

See branch locations nearby.

Is The Bank Of Versailles open on Saturdays?

Is The Bank Of Versailles open on Sundays?

What time does The Bank Of Versailles open?

What time does The Bank Of Versailles close?

Are The Bank Of Versailles ATMs Open 24/7?

Do The Bank Of Versailles ATMs accept cash deposits?

Can The Bank Of Versailles customers use other ATMs?

Do The Bank Of Versailles branches have notaries?

Will The Bank Of Versailles notarize my document?

What address for The Bank Of Versailles should I put for incoming ACH transfers?

Will the The Bank Of Versailles branch print checks?

Do The Bank Of Versailles checks expire?

Does The Bank Of Versailles require US citizenship to open account?

Can The Bank Of Versailles close my account?

Does The Bank Of Versailles Report to credit bureaus?

Does The Bank Of Versailles Use Equifax?

What is The Bank Of Versailles's ACH Routing Number?

What is The Bank Of Versailles's SWIFT code?

Products

Does The Bank Of Versailles offer mortgages?

Compare mortgage rates here.

Does The Bank Of Versailles offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Bank Of Versailles offer personal loans?

Compare personal loan rates here.

Does The Bank Of Versailles offer student loans?

Will The Bank Of Versailles cash a check?

Will The Bank Of Versailles redeem a savings bond?

Does The Bank Of Versailles cash savings bonds?

Will The Bank Of Versailles cash money orders?

Can The Bank Of Versailles issue a money order?

Does The Bank Of Versailles do currency exchange?

Background on The Bank

Who owns The Bank Of Versailles?

How long has The Bank Of Versailles been around?

Can The Bank Of Versailles transfer to other banks?

Does The Bank Of Versailles have quick pay?

Does The Bank Of Versailles accept rolled coins?

Will The Bank Of Versailles accept loose change?

Where is The Bank Of Versailles headquarters?

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*All images, logos and public notes on this page appear courtesy of The Bank Of Versailles and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.