Versailles Savings and Loan Company

Overview / Commentary

www.versaillessavingsbank.com

937-526-4515

10413 Kley Road
Versailles, OH 45380

Versailles Savings and Loan Company is headquartered in Versailles and is the 162^nd largest bank in the state of Ohio. It is also the 4,741^st largest bank in the nation. It was established in 1887 and as of September of 2019, it had grown to 9 employees at 1 location. Versailles Savings and Loan Company has an A health rating.

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Health

Data as of Q3 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Versailles Savings and Loan Company has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	28703
Year Established	1887
Employees	9
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	4.73%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$54.8MM$53.2MM
Loans	Q3 2019vs Q3 2018	$41.9MM$42.1MM
Deposits	Q3 2019vs Q3 2018	$39.2MM$38.2MM
Equity Capital	Q3 2019vs Q3 2018	$11.4MM$10.9MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$255.00K$255.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$0$0
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Versailles Savings and Loan Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Statement Savings Account
OTHER TIERS: 0.03% → Up to $2.5k \| 0.05% → $2.5k - $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k
0.20%^*	$100k^*	-	Passbook Savings
OTHER TIERS: 0.03% → Up to $2.5k \| 0.05% → $2.5k - $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k
0.05%	-	-	Christmas Club

Versailles Savings and Loan Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	Money Market Checking
OTHER TIERS: 0.05% → $2.5k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $100k

Versailles Savings and Loan Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Premiere Checking Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k
0.20%^*	$100k^*	-	Basic Business Checking
OTHER TIERS: 0.03% → Up to $2.5k \| 0.05% → $2.5k - $25k \| 0.10% → $25k - $50k \| 0.15% → $50k - $100k

Versailles Savings and Loan Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	48 Month CD
1.50%	$2.5k	-	273 Day CD Special
1.01%	$1k	-	36 Month CD
1.00%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.50%	$1k	-	12 Month CD
0.50%	$1k	-	18 Month CD
0.25%	$2.5k	-	182 Day CD

Versailles Savings and Loan Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$100	-	18 Month IRA
1.25%	$100	-	18 Month Roth IRA
1.25%	$100	-	18 Month Education IRA

Locations

Versailles Savings and Loan Company Locations
Versailles Savings and Loan Company	10413 Kley Road	Versailles, OH 45380

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