VERSABANK USA, NATIONAL ASSOCIATION

HOLDINGFORD, MN | Medium | Est. Oct. 10, 1910, midnight | FDIC #10160 | RSSD #1011656 | OCC
Latest Report: 2025-12-31

VERSABANK USA, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in HOLDINGFORD, MN, established in Oct. 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $748M and total deposits of $532M. Profitability stands at 1.54% ROA and 4.44% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 43.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.05%. FDIC Certificate #10160.

Assets

$748M

Deposits

$532M

Loans

$388M

Equity

$183M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 4.44%
Net Interest Margin (NIM) 3.81%
Yield on Assets 6.38%
Cost of Funds 3.90%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.05%
NPA Ratio 0.01%
ACL / Loans 0.06%

Capital & Liquidity

CET1 Ratio 43.87%
Tier 1 Capital 43.87%
Total Capital Ratio 43.93%
Leverage Ratio 33.72%
Loan-to-Deposit 72.96%

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