VERABANK, NATIONAL ASSOCIATION

HENDERSON, TX | Large | Est. March 28, 1930, midnight | FDIC #3250 | RSSD #56351 | OCC
Latest Report: 2025-12-31

VERABANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in HENDERSON, TX, established in March 28, 1930, midnight. As of 2025-12-31, the bank reported total assets of $4.4B and total deposits of $3.9B. Profitability stands at 1.74% ROA and 15.35% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 17.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.76% and a Texas Ratio of 4.11%. FDIC Certificate #3250.

Assets

$4.4B

Deposits

$3.9B

Loans

$2.8B

Equity

$506M

Profitability

Return on Assets (ROA) 1.74%
Return on Equity (ROE) 15.35%
Net Interest Margin (NIM) 4.25%
Yield on Assets 5.63%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.76%
Net Charge-Off Ratio 0.31%
Texas Ratio 4.11%
NPA Ratio 0.50%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 17.05%
Tier 1 Capital 17.05%
Total Capital Ratio 18.29%
Leverage Ratio 10.91%
Loan-to-Deposit 70.88%

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