BanksVERABANK, NATIONAL ASSOCIATION

VERABANK, NATIONAL ASSOCIATION

HENDERSON, TXLargeEst. March 28, 1930, midnightFDIC #3250RSSD #56351OCC
Latest · 2025-12-31

VERABANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 17.05%, well above regulatory minimums. NPL ratio: 0.76% · Texas Ratio: 4.11%. Operates 41 domestic branches.

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 Margin4.25%
Yield on Assets5.63%
Cost of Funds1.44%

Asset Quality

NPL Ratio0.76%
Net Charge-Off Ratio0.31%
Texas Ratio4.11%
NPA Ratio0.50%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio17.05%
Tier 1 Capital17.05%
Total Capital Ratio18.29%
Leverage Ratio10.91%
Loan-to-Deposit70.88%

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