VeraBank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at VeraBank, N.A.. It reported $4.6 billion in assets at June 30, 2026, up 6.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.59% a year earlier. It pays an average of 1.02% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 1.5% over the year, lower than about three-quarters of banks its size (median 5.9%).
Loans and deposits moved in opposite directions: over the year loans fell 1.5% and deposits rose 5.8%. The commercial and industrial book ($353 million) is worsening: 1.96% of it is past due or on nonaccrual, up from 1.03% a year earlier.
As of June 30, 2026, VeraBank, N.A. reported a CET1 capital ratio of 17.27%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 5.54%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 201 W Main St, Henderson, TX 75652
- County
- Rusk
- Metro Area
- Longview, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 28, 1930
- Former names
- Citizens National Bank (1994-2019)
- Offices
- 43 domestic
- Employees (FTE)
- 569
- Domestic deposits
- $4.02B
- Allowance for credit losses
- $34.7M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $4.55B
- Average total loans
- $2.80B
- Average interest-bearing deposits
- $3.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3250
- Fed RSSD
- 56351
- SEC CIK
- 878355 → filed by VERABANK, INC.
- Website
- www.verabank.com →
- Parent Holding Company
- VERABANK, INC. (RSSD 1917600)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full VeraBank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock VeraBank, N.A., freeVeraBank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.27% | 1.65% | 0.86% | 5.54% | 4.33% |
| Q1 2026 | 17.28% | 1.57% | 0.78% | 4.97% | 4.21% |
| Q4 2025 | 17.05% | 1.72% | 0.76% | 4.78% | 4.19% |
| Q3 2025 | 16.37% | 1.20% | 0.60% | 5.07% | 4.27% |
| Q2 2025 | 15.74% | 1.68% | 0.48% | 3.92% | 4.17% |
| Q1 2025 | 15.13% | 1.42% | 0.26% | 2.23% | 3.99% |
| Q4 2024 | 14.81% | 1.75% | 0.26% | 2.83% | 4.18% |
| Q3 2024 | 14.20% | 1.30% | 0.27% | 1.99% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 42 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| VeraBank, N.A. (main office) | Henderson , TX | 75652 | $437.6M |
| Austin Branch | Austin , TX | 78703 | $244.9M |
| Corsicana Downtown Branch | Corsicana , TX | 75110 | $208.5M |
| Tyler Grande Branch | Tyler , TX | 75703 | $198.4M |
| Huntsville Branch | Huntsville , TX | 77340 | $191.8M |
| College Station Branch | College Station , TX | 77845 | $184.2M |
| Palestine Branch | Palestine , TX | 75801 | $184.1M |
| Conroe Branch | Conroe , TX | 77304 | $165.9M |
| Round Rock Branch | Round Rock , TX | 78664 | $157.2M |
| Lufkin West Branch | Lufkin , TX | 75904 | $138.8M |
| Tatum Branch | Tatum , TX | 75691 | $137.4M |
| Marshall Branch | Marshall , TX | 75672 | $121.9M |
| Georgetown Branch | Georgetown , TX | 78628 | $113.9M |
| Chandler Branch | Chandler , TX | 75758 | $105.2M |
| Athens Branch | Athens , TX | 75751 | $95.8M |
| Longview Downtown Branch | Longview , TX | 75601 | $93.8M |
| Carthage Branch | Carthage , TX | 75633 | $90.7M |
| Florence Br | Florence , TX | 76527 | $89.9M |
| Jefferson Branch | Jefferson , TX | 75657 | $89.4M |
| Mount Pleasant Branch | Mount Pleasant , TX | 75455 | $82.8M |
| White Oak Branch | White Oak , TX | 75693 | $80.5M |
| Kilgore Br | Kilgore , TX | 75662 | $72.8M |
| Killeen Branch | Killeen , TX | 76541 | $72.4M |
| Harker Heights Branch | Harker Heights , TX | 76548 | $68.2M |
| Waskom Branch | Waskom , TX | 75692 | $64.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 28, 2021 | M&A | Acquired Panola National Bank merger for the acquired bank | SEC |
| August 28, 2021 | Structure Change | Acquired Panola National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 27, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2018 | M&A | Acquired Union State Bank merger for the acquired bank | SEC |
| November 10, 2018 | Structure Change | Acquired Union State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 2016 | M&A | Acquired Kilgore National Bank merger for the acquired bank | SEC |
| November 5, 2016 | Structure Change | Acquired Kilgore National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2013 | M&A | Acquired The East Texas National Bank of Palestine merger for the acquired bank | SEC |
| September 28, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2013 | Structure Change | Acquired The East Texas National Bank of Palestine Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2013 | M&A | Acquired White Oak State Bank merger for the acquired bank | SEC |
| February 16, 2013 | Structure Change | Acquired White Oak State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2001 | M&A | Acquired Peoples State Bank merger for the acquired bank | SEC |
| October 26, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2001 | Structure Change | Acquired Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 12, 1998 | M&A | Acquired Jefferson National Bank merger for the acquired bank | SEC |
| December 12, 1998 | Structure Change | Acquired Jefferson National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 11, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 24, 1998 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| July 24, 1998 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 23, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1992 | M&A | Acquired Merchants State Bank merger for the acquired bank | SEC |
| January 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1992 | Structure Change | Acquired Merchants State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1990 | M&A | Acquired General Savings Association failure_government_assistance_provided for the acquired bank | SEC |
| June 30, 1990 | Structure Change | Acquired General Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 30 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for VeraBank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TX, rank 40 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about VeraBank, N.A.
What are VeraBank, N.A.'s total assets?
As of the Q2 2026 filing, VeraBank, N.A. reported total assets of $4.58 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is VeraBank, N.A. headquartered?
VeraBank, N.A. is headquartered in Henderson, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was VeraBank, N.A. founded?
VeraBank, N.A. was established in 1930, per the FDIC institution directory.
Is VeraBank, N.A. FDIC-insured?
Yes. VeraBank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates VeraBank, N.A.?
VeraBank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is VeraBank, N.A.'s CET1 capital ratio?
VeraBank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 17.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does VeraBank, N.A. operate?
VeraBank, N.A. operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is VeraBank, N.A.'s Texas Ratio?
VeraBank, N.A.'s Texas Ratio is 5.54% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was VeraBank, N.A. previously called?
The charter now named VeraBank, N.A. has also operated as Citizens National Bank (1994-2019), per FDIC structure-change records.
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