Bank Comparison
Alliance Bank vs Versabank USA, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Alliance Bank | Versabank USA, N.A. |
|---|---|---|
| CET1 Ratio | 12.34% | 35.90% |
| Tier 1 Capital Ratio | 12.34% | 35.90% |
| Total Capital Ratio | 13.60% | 35.94% |
| Tier 1 Leverage Ratio | 10.68% | 24.51% |
| Equity / Assets | 10.42% | 23.62% |
Profitability
| Metric | Alliance Bank | Versabank USA, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.10% | 1.18% |
| Return on Equity (ROE) | 10.57% | 4.84% |
| Net Interest Margin (NIM) | 3.64% | 2.94% |
| Yield on Earning Assets | 5.36% | 5.74% |
| Cost of Funds | 1.90% | 3.81% |
Asset quality
| Metric | Alliance Bank | Versabank USA, N.A. |
|---|---|---|
| Texas Ratio | 9.58% | 0.06% |
| Non-Performing Loan Ratio | 1.37% | 0.02% |
| Non-Performing Asset Ratio | 1.09% | 0.01% |
| Net Charge-Off Ratio | -0.01% | 0.02% |
| ACL / Loans | 1.65% | 0.04% |
Balance sheet
| Metric | Alliance Bank | Versabank USA, N.A. |
|---|---|---|
| Total Assets | $767,465K | $782,851K |
| Total Deposits | $668,623K | $557,388K |
| Total Loans | $613,331K | $472,753K |
| Total Equity | $79,944K | $184,874K |
| Net Income (quarter) | $2,092K | $2,223K |
Liquidity & funding
| Metric | Alliance Bank | Versabank USA, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 91.73% | 84.82% |
| Core Deposit Ratio | 90.39% | 99.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Alliance Bank | Versabank USA, N.A. |
|---|---|---|
| Headquarters City | LAKE CITY | HOLDINGFORD |
| Headquarters State | MN | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 23457 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 97 | 18 |
| Established | Jan. 1, 1914, midnight | Oct. 10, 1910, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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